Shaping the future of retail banking

Morison, Ian; Frazer, Patrick

doi:10.1016/0024-6301(82)90099-1

Cited by 3 publications

(1 citation statement)

References 2 publications

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“…Branchless banking is a concept that brings together the main innovations in access points outside the bank branch. The first article that is recorded and that addresses the subject of banking services outside the bank branch is the one carried out by Morison and Frazer (1982), who analyze banking services and the future of US retail banking, among which they mention the increase in bank outlets outside the branch. According to Marshall and Richardson (1996), the term refers to providing banking services through information and communications technology (ICT) to provide retail services outside bank branches.…”

Section: Branchless Bankingmentioning

confidence: 99%

Banking innovations and their effect on profitability

González

Figueroa

Prado‐Román

2022

myn

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This research seeks to answer these questions by analyzing multiple empirical articles carried out at different times, in different countries, and with various innovations. The research is divided into three sections: first, it presents a chronology of the evolution of banks, their main innovations, and events that have modified the banking business model to adapt it to banking today. The second is based on bibliometric tools to present the primary references of the articles that analyze the relationship between innovation and bank profitability and its conceptual structure. The third section analyzes the concept of branchless banking and its factors. Three findings stand out: 1) according to the empirical literature consulted, it is concluded that innovation does affect profitability, 2) publications have grown in recent years, with China being the most productive country and the United States the most influential, and 3) The concept of branchless banking is a viable alternative to measure innovation in the Mexican banking sector.

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Section: Branchless Bankingmentioning

confidence: 99%