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The Impact of Mobile Banking Adoption on Retail Banking in Germany

Author

Listed:
  • Becker Michel

    (Justus Liebig Universität Giessen, Licher Straße 74, 35390 Giessen, Germany)

  • Stolper Oscar

    (Philipps-Universität Marburg, Biegenstraße 10, 35037 Marburg, Germany)

  • Walter Andreas

    (Justus Liebig Universität Giessen, Licher Straße 74, 35390 Giessen, Germany)

Abstract

cooperative bank and perform difference-in-differences analyses for the group of adopting clients and a matched sample of non-adopters. We document a sharp increase in online banking transactions after mobile banking adoption, while ATM, call center and bank branch transactions are used less often. In addition, clients more often transfer money via digital channels and pay cashless after they have unlocked mobile banking, which comes at the expense of offline money transfers and cash withdrawals. Finally, mobile banking adopters are more likely to purchase the products promoted by the bank and active use of mobile banking increases clients’ loyalty with the bank.

Suggested Citation

  • Becker Michel & Stolper Oscar & Walter Andreas, 2022. "The Impact of Mobile Banking Adoption on Retail Banking in Germany," Zeitschrift für das gesamte Genossenschaftswesen, De Gruyter, vol. 72(4), pages 234-267, November.
    • Handle: RePEc:bpj:zfgewe:v:72:y:2022:i:4:p:234-267:n:1
    DOI: 10.1515/zfgg-2022-0019
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