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Author:Radecki, Lawrence J. 

Journal Article
Potential employment effects of the restructuring of retail banking

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
A survey of the origins and purposes of deposit protection programs

Research Paper , Paper 9034

Journal Article
Technology: driving specialization or enabling diversification (or both)?

Economic Policy Review , Issue Oct , Pages 67-72

Journal Article
Financial transactions and the demand for M1

Quarterly Review , Volume 11 , Issue Sum

Report
Ongoing restructuring of retail banking

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

Journal Article
The household demand for money: estimates from cross-sectional data

Quarterly Review , Volume 12 , Issue Spr

Journal Article
Securities trading and settlement in Europe: issues and outlook

The institutional arrangements for trading and settling securities in Europe remain fragmented along national lines, making cross-border trading costly. Consolidation efforts are under way, however, and major market centers have now emerged in France, Germany, and the United Kingdom. Although the restructuring of trading and settlement systems should bring the European Community closer to its goal of a single capital market, changes in corporate governance and the competitive environment may raise significant regulatory issues.
Current Issues in Economics and Finance , Volume 8 , Issue Apr

Journal Article
Bank branches in supermarkets

The largest U.S. commercial banks are restructuring their retail operations to reduce the cost disadvantage resulting from a stagnant deposit base and stiffer competition. As part of this effort, some banks are opening "supermarket," or "in-store," branches: a new type of banking office within a large retail outlet. An alternative to the traditional bank office, the supermarket branch enables banks to improve the efficiency of the branch network and offer greater convenience to customers.
Current Issues in Economics and Finance , Volume 2 , Issue Dec

Journal Article
The monetary aggregates in 1985

Quarterly Review , Volume 10 , Issue Win

Report
The proximate causes for the emergence of excess capacity in the U.S. banking system

Research Paper , Paper 9311

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