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Being There: Preparing for the Future

In: The Future of Retail Banking

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  • Joseph A. DiVanna

Abstract

Conventional wisdom has perceived that cheap retail deposits were a structural phenomenon rather than something which had to be actively competed for on the basis of price. Structural solutions (i.e. making the branch network more efficient or improving the quality of product designs) are bound to predominate in an environment where the nature of the balance sheet is so complex, not only in the broad categories of funding and lending maturities, but also by the type of sources of funds and borrowers; and where the balance sheet structure is made more complex by processes of irrational pricing, cross-subsidization across generic product types and business sectors.1

Suggested Citation

  • Joseph A. DiVanna, 2004. "Being There: Preparing for the Future," Palgrave Macmillan Books, in: The Future of Retail Banking, chapter 0, pages 100-126, Palgrave Macmillan.
    • Handle: RePEc:pal:palchp:978-0-230-50956-6_4
    DOI: 10.1057/9780230509566_4
    as

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