The Future of Retail Banking in Europe: Competition and Regulatory Challenges

ECRI Research Report No. 12

54 Pages Posted: 9 Feb 2012

See all articles by Nicola Jentzsch

Nicola Jentzsch

DIW Berlin

Christian Wey

University of Düsseldorf - Düsseldorf Institute for Competition Economics (DICE)

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Date Written: April 19, 2010

Abstract

This report brings together in a single volume the excellent contributions presented at the high-level conference on “The Future of Retail Banking in Europe: Competition and Regulatory Challenges” held at CEPS on the 10th of June 2009. The conference was jointly organized by the European Credit Research Institute (ECRI) and the Deutsche Institut für Wirtschaftsforschung (DIW Berlin) and coincided with the 10th anniversary of the founding of ECRI. While most of the debate about the crisis dealt with the banking industry as a whole and the stabilization policies introduced by governments, especially central banks, this volume drew attention to the micro economic specifics of banking. By starting with the basics underlying financial markets, we acquire a better understanding of the many facets of business practices, which in turn allows us to identify possible market failures. The identified market failures serve as a starting point for the design of optimal policies in the arenas of competition policy and consumer protection.

Keywords: Retail Banking, Europe, EU, competition policy, regulatory challenges, consumer protection, financial markets, market failures

Suggested Citation

Jentzsch, Nicola and Wey, Christian, The Future of Retail Banking in Europe: Competition and Regulatory Challenges (April 19, 2010). ECRI Research Report No. 12, Available at SSRN: https://ssrn.com/abstract=2001420 or http://dx.doi.org/10.2139/ssrn.2001420

Nicola Jentzsch (Contact Author)

DIW Berlin ( email )

Mohrenstraße 58
Berlin, 10117
Germany

Christian Wey

University of Düsseldorf - Düsseldorf Institute for Competition Economics (DICE) ( email )

Universitaetsstr. 1
Duesseldorf, NRW 40225
Germany
+49-211-81-15009 (Phone)
+49-211-81-15499 (Fax)

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