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- W2112222359 abstract "This paper investigates the risk, efficiency and rate of progress in the implementation of electronic commerce (e-commerce) in a sample of banks from a developed country (the US), and a sample of banks from developing and emerging markets. The results confirm that the US is very advanced in its electronic-banking (e-banking) actuation. There is evidence suggesting that e-banking is driven largely by the prospects of operating costs minimisation and operating revenue maximisation. Costs are lower and revenues higher when banking services are delivered through a branch network. The results also suggest that perceptions of banking risk may be partially driven by similar factors. Using a basic risk-scoring model, bank risk scores (reflecting a bank's ability to repay depositors) are regressed against operating efficiency measures." @default.
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- W2112222359 date "2002-11-01" @default.
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- W2112222359 title "The impact of the Internet in banking: observations and evidence from developed and emerging markets" @default.
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- W2112222359 doi "https://doi.org/10.1016/s0736-5853(01)00019-3" @default.
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