Servizi bancari online e dinamica degli sportelli bancari (Online Banking Services and Branch Networks)

39 Pages Posted: 28 May 2020

Date Written: February 12, 2020

Abstract

Italian Abstract: Il lavoro analizza l’impatto che l’eterogeneità nel ricorso da parte della clientela bancaria ai servizi on line nei vari mercati locali ha avuto sulla successiva dinamica degli sportelli bancari. L’analisi, relativa al periodo 2012-15, si concentra sulla clientela retail, il segmento maggiormente interessato dallo sviluppo dei canali digitali. I principali risultati indicano che le chiusure degli sportelli sono state più intense per le banche e le province ove maggiore era la diffusione presso la clientela di servizi bancari online.

English Abstract: Notwithstanding internet banking is now widely used by retail customers, little is known about its effect on the banking industry. In this paper we study how internet banking relates to branching policies in Italian local credit markets. Focusing on the period 2012-2015, we show that branch closures were more intense for those local markets and banks where the diffusion of digital banking services was higher.

Keywords: online banking services, bank branch networks

JEL Classification: G21, G34

Suggested Citation

Carmignani, Amanda and Manile, Marco and Orame, Andrea and Pagnini, Marcello, Servizi bancari online e dinamica degli sportelli bancari (Online Banking Services and Branch Networks) (February 12, 2020). Bank of Italy Occasional Paper No. 543, Available at SSRN: https://ssrn.com/abstract=3608170 or http://dx.doi.org/10.2139/ssrn.3608170

Amanda Carmignani

Bank of Italy ( email )

Via Nazionale 91
00184 Roma
Italy

Marco Manile (Contact Author)

Bank of Italy ( email )

Via Nazionale 91
Rome, 00184
Italy

Andrea Orame

Bank of Italy ( email )

Via Nazionale 91
Rome, 00184
Italy

Marcello Pagnini

Bank of Italy ( email )

Via Nazionale 91
Rome, 00184
Italy

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