Report
The proximate causes for the emergence of excess capacity in the U.S. banking system
Radecki, Lawrence J. (1993)
Research Paper , Paper 9311

Journal Article
Technology: driving specialization or enabling diversification (or both)?
Marks, Jim; Wenninger, John; Guldimann, Till; Radecki, Lawrence J. (2000-10)
Economic Policy Review , Issue Oct , Pages 67-72

Report
A survey of the origins and purposes of deposit protection programs
Radecki, Lawrence J. (1990)
Research Paper , Paper 9034

Journal Article
The globalization of financial markets and the effectiveness of monetary policy instruments
Reinhart, Vincent; Radecki, Lawrence J. (1988-10)
Quarterly Review , Volume 13 , Issue Aut , Pages 18-27

Journal Article
The monetary aggregates in 1985
Wenninger, John; Radecki, Lawrence J. (1985-01)
Quarterly Review , Volume 10 , Issue Win , Pages 6-10

Journal Article
Potential employment effects of the restructuring of retail banking
Radecki, Lawrence J. (1997-02)
The author explains that two steps being taken by banks to restructure their branch systems--the substitution of supermarket branches for traditional offices and the expansion of telephone banking through twenty-four-hour phone centers--may adversely affect employment in New York State as well as across the country.
Economic Policy Review , Volume 3 , Issue Feb , Pages 75-78

Report
Banks' payments-driven revenues
Radecki, Lawrence J. (1999-02-01)
The amount of fee income earned by the banking sector suggests that the significance of payment services has been understated or overlooked. This paper attempts to develop a clearer picture of the importance of payment services to the industry by delineating the payments area broadly and by analyzing data disclosed in bank holding company annual reports on sources of noninterest income. ; We find that payment services bring in from one-third to two-fifths of the combined operating revenue of the twenty-five largest bank holding companies. This contribution to revenue is considerably larger ...
Staff Reports , Paper 62

Journal Article
Paying electronic bill electronically
Wenninger, John; Radecki, Lawrence J. (1999-01)
Electronic billing and payment systems are about to change the way many households pay their monthly bills. These systems are likely to increase consumer convenience and reduce billers' costs. Several factors, however, could slow down the widespread use of electronic billing and payments, including customer resistance to change, unequal access to technology, and consumer privacy concerns.
Current Issues in Economics and Finance , Volume 5 , Issue Jan

Journal Article
The expanding geographic reach of retail banking markets
Radecki, Lawrence J. (1998-06)
In the view of most policymakers and economists, competition in retail banking takes place in local markets the size of a single county or metropolitan area. This article presents evidence that the locus of banking competition has in recent years shifted to larger geographic arenas. The author's review of 1997 survey data reveals that many banks set uniform rates for both deposits and retail loans across an entire state or broad regions of a large state. Regression analysis of the relationship between retail deposit rates and measures of market concentration further supports this expansion in ...
Economic Policy Review , Volume 4 , Issue Jun , Pages 15-34

Report
Ongoing restructuring of retail banking
Orlow, Daniel; Wenninger, John; Radecki, Lawrence J. (1996)
The largest U.S. commercial banks are currently in the process of restructuring their retail operations. This paper describes the innovations that are being adopted, explains the integrated strategies for restructuring, and reviews the policy issues that emerge. We find that banks are restructuring by developing complete customer-relationship profiles, switching over to remote electronic delivery channels (phone centers, home banking, and next-generation ATMs), relocating branches to large retail outlets, and redesigning selected branches as investment centers. The immediate goal of ...
Research Paper , Paper 9634