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Author:Humphrey, David B. 

Discussion Paper
Scale economies at automated clearinghouses

Research Papers in Banking and Financial Economics , Paper 32

Working Paper
Bank scale economies, mergers, concentration, and efficiency: the U.S. experience

Finance and Economics Discussion Series , Paper 94-23

Discussion Paper
Bank use of downstreamed commercial paper

Research Papers in Banking and Financial Economics , Paper 29

Conference Paper
International comparisons: lessons learned

Proceedings , Paper 747

Working Paper
The effect of transaction pricing on the adoption of electronic payments: a cross-country comparison

Pricing should speed up the substitution of low cost electronic payments for expensive paper-based transactions and cash. But by how much? Norway has explicitly priced individual payment transactions and rapidly shifted to electronic payments while the Netherlands has experienced the same shift without direct pricing. Controlling for differences between countries, the authors estimate the incremental effect of pricing on the shift to electronic payments. If users strongly value the improved convenience or security of electronic payments, pricing?viewed negatively by most consumers?may not be ...
Working Papers , Paper 05-28

Working Paper
Bank efficiency derived from a profit function

Finance and Economics Discussion Series , Paper 211

Journal Article
Delivering deposit services: ATMs versus branches

Economic Quarterly , Issue Spr , Pages 59-81

Working Paper
The dominance of inefficiencies over scale and product mix economies in banking

Finance and Economics Discussion Series , Paper 107

Conference Paper
Competition, efficiency, and the future of the banking industry

Proceedings , Paper 379

Discussion Paper
Competitive viability in banking: scale, scope, and product mix economies

Research Papers in Banking and Financial Economics , Paper 82

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