Online banking applications and community bank performance

International Journal of Bank Marketing

Volumn 26, Issue 6, 2008, Pages 418-439

  Acharya, Ram N ^a   Kagan, Albert ^b   Lingam, Srinivasa Rao ^b  

^a NEW MEXICO STATE UNIVERSITY   (United States)

^b ARIZONA STATE UNIVERSITY   (United States)

Author keywords

Banks; Community banking; Profit; Virtual banking

Indexed keywords

EID: 51749083486     PISSN: 02652323     EISSN: None     Source Type: Journal    
DOI: 10.1108/02652320810902442     Document Type: Article

References (52)

1. Acharya, R.N. and Kagan, A. (2004), "Community banks and internet commerce", Journal of Internet Commerce, Vol. 3, pp. 23-30.
2. Akhigbe, A. and McNulty, J.E. (2003), "The profit efficiency of small US commercial banks", Journal of Banking & Finance, Vol. 27, pp. 307-25.
3. Arnould, R.J. (1985), "Agency costs in banking firms: analysis of expense preference behavior", Journal of Economics and Business, Vol. 37, pp. 103-12.
4. Avery, R.B. and Samolyk, K.A. (2004), "Bank consolidation and small business lending: the role of community banks", Journal of Financial Services Research, Vol. 25, pp. 291-325.
5. Berger, A.N. (2003), "The economic effects of technological progress: evidence from the banking industry", Journal of Money, Credit and Banking, Vol. 35, pp. 141-76.
6. Berger, A.N. and DeYoung, R. (2006), "Technological progress and the geographic expansion of the banking industry. Journal of Money", Credit, and Banking, Vol. 38 No. 6, pp. 1483-513.
7. Berger, A.N. and Mester, L.J. (1997), "Inside the black box: what determines differences in the efficiency of financial institutions", Journal of Banking & Finance, Vol. 21, pp. 895-947.
8. Berger, A.N., Dick, A.A., Goldberg, L.G. and White, L.J. (2005), "The effects of competition from large, multi-market firms on the performance of small, single-market firms: evidence from the banking industry", Finance and Economics Discussion Series 2005-15, Federal Reserve Board, Washington, DC.
9. Bradley, L. and Stewart, K. (2003), "The diffusion of online banking", Journal of Marketing Management, Vol. 19, pp. 1087-109.
10. Camarero, C. (2007), "Relationship orientation or service quality? What is the trigger of performance in financial and insurance services?", International Journal of Bank Marketing, Vol. 25 No. 6, pp. 406-26.
11. Chau, P.Y. and Lai, V.S.K. (2003), "An empirical investigation of the determinants of user acceptance of internet banking", Journal of Organizational Computing and Electronic Commerce, Vol. 13 No. 2, pp. 123-45.
12. Clark, J.A. (1986), "Market structure, risk, and profitability: the quiet-life hypothesis revisited", Quarterly Review of Economics and Business, No. 26, pp. 45-56.
13. Cole, R.A., Goldberg, L.G. and White, L.J. (2004), "Cookie-cutter versus character: the micro structure of small business lending by large and small banks", Journal of Financial and Quantitative Analysis, Vol. 39, pp. 227-51.
14. Coursey, D. and Pandey, S.K. (2007), "Content domain, measurement, and validity of the red tape concept: a second-order confirmatory factor analysis", The American Review of Public Administration, Vol. 37 No. 3, pp. 342-61.
15. DeYoung, R. (2005), "The performance of internet-based business model: evidence from the banking industry", The Journal of Business, Vol. 78 No. 3, pp. 893-974.
16. DeYoung, R. and Hasan, I. (1998), "The performance of de novo commercial banks: a profit efficiency approach", Journal of Banking & Finance, Vol. 22, pp. 565-87.
17. DeYoung, R., Hunter, W.C. and Udell, G.F. (2004), "Whither the community banks?", Journal of Financial Services Research, Vol. 25, pp. 81-4.
18. DeYoung, R., Lang, W.W. and Nolle, D.L. (2007), "How the internet affects output and performance at community banks", Journal of Banking & Finance, Vol. 31, pp. 1033-60.
19. Dixon, T. and Marston, A. (2005), "Taking the shopping centre online: new models in e-commerce", Property Management, Vol. 23 No. 2, pp. 97-109.
20. Furst, K., Lang, W.W. and Nolle, D.E. (2002), "Internet banking", Journal of Financial Services Research, Vol. 22, pp. 95-117.
21. Gallant, A.R. (1981), "On the bias in flexible functional forms and an essentially unbiased form: the Fourier flexible form", Journal of Econometrics, Vol. 15, pp. 211-45.
22. Gill, C. (2008), "Restoring consumer confidence in financial services", International Journal of Bank Marketing, Vol. 26 No. 2, pp. 148-52.
23. Grant Thornton (2005), Twelfth Annual Survey of Community Bank Executives, Chicago, Grant Thornton, Chicago, IL.
24. Grant Thornton (2007), Fourteenth Annual Survey of Bank Executives, Grant Thornton, Chicago, IL.
25. Hannan, T.H. (1991), "Bank commercial loan markets and the role of market structure: evidence from surveys of commercial lending", Journal of Banking & Finance, Vol. 15, pp. 133-49.
26. Hernandez, J.M.C. and Mazzon, J.A. (2007), "Adoption of internet banking: proposition and implementation of an integrated methodology approach", International Journal of Bank Marketing, Vol. 25 No. 2, pp. 72-88.
27. Hernando, I. and Nieto, M.J. (2005), "Is the internet delivery channel changing banks' performance? The case of Spanish banks", unpublished manuscript., Banco de Espana.
28. Howcroft, B., Hamilton, R. and Hewer, P. (2002), "Consumer attitude and the usage and adoption of home-based banking in the United Kingdom", International Journal of Bank Marketing, Vol. 20 No. 2, pp. 111-21.
29. Jaccard, J. and Wan, C.K. (1996), LISREL Approaches to Interaction Effects in Multiple Regression, Sage, Thousand Oaks, CA.
30. Jondrow, J., Lovell, C.A.K., Mterov, I.S. and Schmidt, P. (1982), "On the estimation of technical inefficiency in the stochastic frontier production function model", Journal of Econometrics, Vol. 19, pp. 233-8.
31. Jöreskog, K. and Sörbom, D. (1996), Lisrel 8: User's Reference Guide, Scientific Software International.
32. Joseph, M., Sekhon, Y., Stone, G. and Tinson, J. (2005), "An exploratory study on the use of banking technology in the UK: a ranking of importance of selected technology on consumer perception of service delivery performance", International Journal of Bank Marketing, Vol. 23 No. 5, pp. 397-413.
33. Kline, R.B. (1998), Principles and Practice of Structural Equation Modeling, Guilford Press, New York, NY.
34. Kolodinsky, J.M., Hogarth, J.M. and Hilgert, M.A. (2004), "The adoption of electronic banking technologies by US consumers", International Journal of Bank Marketing, Vol. 22 No. 4, pp. 238-45.
35. Kotzab, H. and Madlberger, M. (2001), "European retailing in e-transition? An empirical evaluation of web-based retailing - indications from Austria", International Journal of Physical Distribution & Logistics Management, Vol. 31 No. 6, pp. 440-62.
36. Lee, E.J., Kwon, K.N. and Schumann, D.W. (2005), "Segmenting the non-adopter category in the diffusion of internet banking", International Journal of Bank Marketing, Vol. 23 No. 4, pp. 414-37.
37. Mitchell, K. and Onruval, N.M. (1996), "Economies of scale and scope at large commercial banks: evidence from the fourier flexible functional form", Journal of Money, Credit, and Banking, Vol. 28, pp. 178-99.
38. Muthen, B. (2002), "Beyond SEM: general latent variable modeling", Behaviormetrika, Vol. 29, pp. 81-117.
39. Muthen, B. and Muthen, L. (2004), Mplus Statistical Analysis with Latent Variables, User's Guide, Muthen and Muthen, Los Angeles.
40. Nakamura, L. (1993), "Recent research in commercial banking: information and lending", Financial Markets, Institutions, and Instruments, Vol. 2, pp. 73-88.
41. Ndubisi, N.O. and Wah, C.K. (2005), "Factorial and discriminant analyses of the underpinnings of relationship marketing and customer satisfaction", International Journal of Bank Marketing, Vol. 23 No. 7, pp. 542-57.
42. Nielsen, J. and Tahir, M. (2002), Homepage Usability: 50 Websites Deconstructed, New Riders, Indianapolis, IN.
43. Petersen, M.A. and Rajan, R.G. (1995), "The effect of credit market competition on lending relationships", Quarterly Journal of Economics, Vol. 110, pp. 407-43.
44. Petersen, M.A. and Rajan, R.G. (2002), "The information revolution and small business lending: does distance still matter?", Journal of Finance, Vol. 57, pp. 2533-70.
45. Purroy, P. and Salas, V. (2000), "Strategic competition in retail banking under expense preference behavior", Journal of Banking & Finance, Vol. 24, pp. 809-24.
46. Rhoades, S.A. and Rutz, R.D. (1982), "Market power and firm risk: a test of the 'quiet-life' hypothesis", Journal of Monetary Economics, Vol. 9, pp. 73-85.
47. Roberts, B. and Campbell, R.C. (2007), "Being new-customer friendly: determinants of service perceptions in retail banking", International Journal of Bank Marketing, Vol. 25 No. 1, pp. 56-67.
48. Sayar, C. and Wolfe, S. (2007), "Internet banking market performance: Turkey versus the UK", International Journal of Bank Marketing, Vol. 25 No. 3, pp. 122-41.
49. Stiroh, K.J. (2004), "Do community banks benefit from diversification?", Journal of Financial Services Research, Vol. 25, pp. 135-60.
50. Sullivan, R.J. (2000), How Has the Adoption of Internet Banking Affected Performance and Risk at Banks? A Look at Internet Banking in the Tenth Federal Reserve District, Financial Industry Perspectives, Federal Reserve Bank of Kansas City.
51. Tan, M. and Teo, T. (2000), "Factors influencing the adoption of internet banking", Journal of the AIS, Vol. 1, pp. 1-42.
52. Tih, S. and Ennis, S. (2007), "Cross-industry analysis of consumer assessments of internet retailers' service performances", International Journal of Retail & Distribution Management, Vol. 34 Nos 4/5, pp. 290-307.