Internet Banking: Developments and Prospects
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类别：其它风险
人气： 行业：银行 年份：2009年 来源：Office of the Comptroller of the Currenc 责编：刘志业 发布时间：2009-9-3 |
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作者：Karen Furst, William W. Lang, and Daniel
摘 要
This paper addresses significant gaps in existing knowledge about
the Internet banking landscape. Using information drawn from a survey of
national bank examiners, we find that while only 20 percent of national banks
offered Internet banking in Q3 1999, these transactional Internet banks
accounted for almost 90 percent of national banking system assets and 84
percent of the total number of small deposit accounts. All of the largest national
banks offered Internet banking, but only about 7 percent of the smallest banks
offered it. Among institutions offering Internet banking, large banks are more
likely than small banks to offer a broad range of services on the Internet.
Matching call report data to the examiner survey information, we also find that
banks in all size categories offering Internet banking tend to rely less on
interest-yielding activities and deposits than do non-Internet banks, and
institutions with Internet banking outperformed non-Internet banks in terms of
profitability. Excepted from the superior performance of Internet banks versus
non-Internet banks are de novo Internet banks, which were less profitable and
less efficient than non-Internet de novos. Projections based on banks’ plans as of
Q3 1999 indicate that 45 percent of all national banks will be offering Internet
banking by the beginning of 2001. While most of the growth in new Internet
banking will be due to small banks coming online, almost half of all national
banks had no plans to offer Internet banking. Large banks have more aggressive
plans to offer business Internet banking services in the future than small
institutions.
内 容
We develop logit models to explain why banks choose to adopt Internet
banking, and why some choose to offer a relatively wider array of Internet
banking products and services. Among the key factors explaining which banks
have chosen to offer Internet banking are membership in a bank holding
company, physical location of the bank in an urban area, relatively higher
premises and other fixed expenses to net operating revenue, and higher
noninterest income, and efficiency than non-Internet banks. More profitable
banks were more likely to adopt Internet banking after Q2 1998, but more
profitable institutions were less likely to be among the “first movers” - i.e. banks
adopting Internet banking as of Q2 1998. Among banks that offer Internet
banking, larger banks and banks that offered the service for a longer time were
significantly more likely to offer a wider range of services on the Internet.
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