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Technology and Intermediation: the Case of Banking

ARAN - Access to Research at NUI Galway

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dc.contributor.author Keane, Michael J. en
dc.contributor.author Fountas, Stilianos en
dc.date.accessioned 2010-11-08T10:16:40Z en
dc.date.available 2010-11-08T10:16:40Z en
dc.date.issued 1998-04 en
dc.identifier.citation Keane, M. & Fountas, S. "Technology and Intermediation: the Case of Banking" (Working Paper No. 21) Department of Economics, National University of Ireland, Galway. en
dc.identifier.uri http://hdl.handle.net/10379/1370 en
dc.description.abstract The aim of this paper is to look at ways in which the contribution of investment in technology to consumer welfare might be measured. One useful approach to this question is demonstrated by means of a simple spatial model of trade and transportation. The model is used to elaborate on a discussion found in Melvin (1990). The empirical part of the paper deals with the banking sector. A key function of the banking system is to facilitate intermediation between borrowers and lenders. Taking this, perhaps, somewhat restricted view of banks, the measure demonstrated with the spatial model is applied within the framework of a complete banking model to see, specifically, if intermediation costs have been reduced by technology. Using data for the commercial banking sector in Ireland over the period January 1986 to August 1996, we find that the gains from technology in the provision of banking services, provided they exist, have not been passed on to the bank customers in the form of a lower bank interest rate spread. en
dc.format application/pdf en
dc.language.iso en en
dc.publisher National University of Ireland, Galway en
dc.subject Economics en
dc.subject Intermediation en
dc.subject Interest rate spread en
dc.subject Technology en
dc.subject Banking en
dc.title Technology and Intermediation: the Case of Banking en
dc.type Working Paper en
dc.description.peer-reviewed peer-reviewed en

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