From the early days of automated card sorting to the more recent times of the Internet and check imaging, payments and payments processing have continually embraced new technology. At the same time, the industry has been shaped by its share of entry and exit, through startups, mergers, and the...

Analysis of banks in Tenth District states that have adopted Internet banking shows an adoption rate that is similar to the rate for the United States. Community banks, especially in rural areas, are lagging behind other banks in introducing Internet banking. ; Banks that have adopted Internet...

The structure of Colorado's banking industry has recently undergone significant change and, therefore, provides a good case study with which to gauge the impact of consolidation on sources of loans and access to credit for small business. We find that between 1994 and 1996, lending to small...