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Keywords:Electronic commerce 

E-money and e-commerce two alternatives views of future innovations

Chicago Fed Letter , Issue Mar

Conference Paper
Risk: remarks - 2007 trends in financial risk and fraud

Proceedings – Payments System Research Conferences

Journal Article
Networking with E-commerce in rural America

Main Street Economist , Issue Sep

Journal Article
Business to business on the Internet

Regional Review , Volume 10 , Issue Q2 , Pages 24-31

Journal Article
The financial performance of pure play Internet banks

In theory, banks that conduct all their business over the Internet will have low overhead expenses. If these saving materialize, Internet banks could use them to fuel fast growth while still earning normal profits. This article analyzes a small sample of "pure lay" Internet banks launched during the late 1990s. Compared with young branching banks, these young Internet banks have low physical overhead and grow fast--but they earn low profits due to high labor expenses, low noninterest income, and low core deposits.
Economic Perspectives , Volume 25 , Issue Q I , Pages 60-78

The Internet's place in the banking industry

Chicago Fed Letter , Issue Mar

Working Paper
Learning-by-doing, scale efficiencies, and financial performance at Internet-only banks

In theory, Internet-only banks should have low overhead expenses, and thus should be able to charge better prices (lower fees, higher deposit rates, lower loan rates) and still earn normal profits. To test this theory, this study compares the financial performance of 10 new Internet-only banks to the financial performance of 569 new traditional banks. On average, Internet-only start-up banks have been less profitable than traditional bank start-ups. Output volumes were low, and savings from low overhead were offset by high costs in other noninterest expense categories. However, as the ...
Working Paper Series , Paper WP-01-06

Conference Paper
Competition: vertical integration: general discussion

Proceedings – Payments System Research Conferences

Journal Article
What impact will E-commerce have on the U.S. economy?

In recent years, e-commerce has emerged as the fastest growing sector of the U.S. marketplace. Despite the contraction in the high-tech industry during the recent recession, firms have continued to enter and expand their presence in e-commerce, and consumers have increased the number of purchases made online. E-commerce currently represents a very small share of overall commerce, but it is expected to continue to expand rapidly in coming years. As e-commerce grows, so will its impact on the overall economy. ; The primary route by which e-commerce will affect the economy at large is through ...
Economic Review , Volume 89 , Issue Q II , Pages 53-71

Conference Paper
Nonbanks in the payments system: vertical integration issues

Proceedings – Payments System Research Conferences



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Litan, Avivah 5 items

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