Strategic Contributions of Information Technology: An Empirical Study of Atm Networks

25 Pages Posted: 31 Oct 2008

See all articles by Rajiv D. Banker

Rajiv D. Banker

Temple University - Department of Accounting

Robert J. Kauffman

Singapore Management University; Singapore Management University - School of Information Systems

Date Written: March 1988

Abstract

This paper presents an empirical study of the strategic contributions of automated tellermachines (ATMs) to improving a bank branch's local deposit market share at the expense of itscompetitors. By extending previous models of deposit market share in branch banking to incorporateATM technology variables, we develop a tool to provide answers and insights on key questionsinvolving the evaluation of second order strategic impacts of information technology (IT)which have not previously been measured in this context. Our results suggest that a bank's ATMnetwork membership decision is crucial to its later success in enhancing deposit market share viadeployment of ATMs. However, we found little evidence that branch ATMs provide any competitiveleverage to increase a branch's local deposit share.

Suggested Citation

Banker, Rajiv D. and Kauffman, Robert J., Strategic Contributions of Information Technology: An Empirical Study of Atm Networks (March 1988). Information Systems Working Papers Series, Vol. , pp. -, 1988. Available at SSRN: https://ssrn.com/abstract=1289711

Rajiv D. Banker (Contact Author)

Temple University - Department of Accounting ( email )

Philadelphia, PA 19122
United States

Robert J. Kauffman

Singapore Management University ( email )

Li Ka Shing Library
70 Stamford Road
Singapore 178901, 178899
Singapore
65-6828-929 (Phone)

Singapore Management University - School of Information Systems ( email )

80 Stamford Road
Singapore, 178902
Singapore

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