The 1990s has been an extraordinary period for theretail commercial banking industry. This industryupdate discusses some of the important developmentsand issues they have raised from the standpoint ofcompetition and antitrust policy. A massive mergermovement and removal of restrictions on interstatebanking have raised questions about barriers to entry,the influence of very large banks on the behavior ofother banks in local banking markets, the potentialfor multimarket interdependence among large banks thatmeet one another in numerous markets, and theappropriateness of local markets for analyzingcompetition. Finally, the emergence of electronicbanking and the unbundling of the pricing of serviceshave highlighted the possible importance of switchingcosts for customers in retail banking.
Review of Industrial Organization – Springer Journals
Published: Oct 16, 2004
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