Internet Banking: Market Developments and Regulatory Issues

Topics:
Commercial Banking
Tags:
Bank,
Banking,
Financial Services,
Internet,
Internet Banking
Source:
Office of the Comptroller of the Currency

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Overview: This paper describes the current state of Internet banking and discusses its implications for the banking industry and regulatory policy. Nevertheless, large banks appear to have an advantage over small banks in the range of services they offer over the Internet. This result may of course change as the use of Internet banking grows. Use of Internet banking, while forecast to grow significantly, is still relatively modest. This problem is less severe for Internet banking customers and may explain why some banks are targeting their Internet strategies toward business customers. Nevertheless, since most consumers have accounts at banks that offer Internet banking, consumer usage patterns could change suddenly.

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Format: PDF | Size: 102KB | Date: May 2001 | Pages: 33

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