Innovation and Competition in Internet and Mobile Banking: An Industrial Organization Perspective

COMMUNICATIONS & STRATEGIES, no. 99, 3rd quarter 2015, p.129

18 Pages Posted: 13 Apr 2016

See all articles by Carlotta Mariotto

Carlotta Mariotto

European Commission DG COMP - Chief Economist Team

Marianne Verdier

Université Paris 2 Panthéon Assas

Date Written: September 1, 2015

Abstract

Over the recent years, the development of internet banking and mobile banking has had a considerable impact on competition in the retail banking industry. In some countries, the regulatory framework has been adapted to allow non-banks to operate in retail payments and compete with banks for deposits. Several platforms or large retailers have started to offer innovative financial products to their customers. In this paper, we survey the issues related to innovation and competition in internet banking and mobile banking and discuss some perspectives for future research.

Keywords: bank competition, bank regulation, non-banks, payment systems, internet banking, mobile banking, platform markets

JEL Classification: E42, G21, L96

Suggested Citation

Mariotto, Carlotta and Verdier, Marianne, Innovation and Competition in Internet and Mobile Banking: An Industrial Organization Perspective (September 1, 2015). COMMUNICATIONS & STRATEGIES, no. 99, 3rd quarter 2015, p.129. Available at SSRN: https://ssrn.com/abstract=2763701

Carlotta Mariotto (Contact Author)

European Commission DG COMP - Chief Economist Team ( email )

1210 Sint-Joost-ten-Noode
Bruxelles, 1000
Belgium
0032493961759 (Phone)

Marianne Verdier

Université Paris 2 Panthéon Assas ( email )

France

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