There has been considerable development in the technology used to provide bank services. This has led to an increase in the number of channels which can be used to deliver bank services to retail clients. Accordingly, there is a need to assess the costs of using different technologies to provide...

There are many different financial institutions offering such a tempting array of services to attract customers. The financial services provided by the banking industry are the following: demand deposits, times deposits, loans, electronic transfer of funds, financial advice, payroll service,...

Since deregulation in the mid‐1980s the banking industry in Australia has become increasingly competitive. Australia already has one of the least controlled banking systems in the world, and the implementation of the recommendations of the Financial Systems Inquiry (the Wallis Report) should...

Based on a wide survey of over 1,500 Italian customers, analyses both payment services and sales and private banking areas. In the former, human contact attributes of service prove to be overemphasized when customer satisfaction is observed. In the latter, technology seems extremely important in...

Most retail banking research has explored ATM usage entirely from the viewpoint of consumers′ demographics. Examines ATM usage patterns on the basis of consumers′ perceptions of the attributes of this innovation. Seeks to determine the association between consumer ATM usage patterns and...