Concentration and competition in banking
Article Abstract:
Competition and concentration in the banking industry and the repercussions of these phenomena on bank marketing strategies are examined in terms of industry-wide concerns. Competition and concentration involve certain trade-offs, since competition may be defined as bank activities intended to hold (or increase) market share, while concentration is seen as bank growth within local markets that causes certain market participants to seek customers elsewhere. The effects of these two market dynamics on each other are examined in terms of: changing economic climates, new regulations within the industry, technological advances, financial innovation, and shifting market sizes or locations.
Publication Name: Journal of Bank Research
Subject: Business
ISSN: 0021-9215
Year: 1986
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Meeting the needs of multinational corporations
Article Abstract:
Corporate banking needs are beginning to focus on two items: cost of service, and innovative bank products. This development is not surprising, since corporations' need for greater control over operating costs encouraged banks to switch from account balance-based fees to fees for services rendered. The fee-payment transition has also encouraged greater use of electronic funds transfer (to avoid transaction processing fees) and smaller account balances for most corporations. Use of technologically advanced banking products and cost-driven banking service decisions are analyzed for corporate consumers, based upon the banking experience of Burroughs Corp.
Publication Name: Journal of Bank Research
Subject: Business
ISSN: 0021-9215
Year: 1986
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