Finance and Economics Discussion Series : The Economic Effects of Technological Progress: Evidence from the Banking Industry. H Montague Osteen Jr Professor in Banking and Finance Allen N Berger
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Author: H Montague Osteen Jr Professor in Banking and Finance Allen N Berger
Number of Pages: 46 pages
Published Date: 06 Feb 2013
Publisher: Bibliogov
Publication Country: United States
Language: English
ISBN: 9781288715862
File size: 48 Mb
File Name: Finance.and.Economics.Discussion.Series.The.Economic.Effects.of.Technological.Progress.Evidence.from.the.Banking.Industry.pdf
Download Link: Finance and Economics Discussion Series The Economic Effects of Technological Progress Evidence from the Banking Industry
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This paper examines technological progress and its effects in the banking industry. Banks are intensive users of both IT and financial technologies, and have a wealth of data available that may be helpful for the general understanding of the effects of technological change. The research suggests improvements in costs and lending capacity due to improvements in "back-office" technologies, as well as consumer benefits from improved "front-office" technologies. The research also suggests significant overall productivity increases in terms of improved quality and variety of banking services. In addition, the research indicates that technological progress likely helped facilitate consolidation of the industry.
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