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The impact of scale effects on the prevailing internet-based banking model in the US

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	Momparler Pechuán, Alexandre; Climent Diranzo, Francisco José; Ballester Andreu, José María
	This document is a artículoDate2012
	Este documento está disponible también en : http://hdl.handle.net/10550/36992
	Internet-based banks use a technology-intensive production process that may benefit from scale effects as they grow larger. This paper analyzes whether the predominant Internet-primary bank in the USA generates technology-based economies of scale. There is evidence of both favorable and adverse technology-based scale effects. As the leading Internet-primary bank gets larger, the financial performance gap with traditional banks shrinks while some of its critical competitive advantages wear down. The results suggest that unless the prevailing Internet-primary bank preserves the distinctive advantages of the Internet-based business model as it improves financial performance, it might end up converging with its branching competitors.
	Momparler Pechuan, Alexandre Climent Diranzo, Francisco José Ballester Andreu, José María 2012 The impact of scale effects on the prevailing internet-based banking model in the US Service Business 6 2 177 195
	http://dx.doi.org/10.1007/s11628-011-0126-6