Online banking vs. bricks & mortar - or a hybrid model? A preliminary investigation of Australian and Indian banks

Unnithan, Chandana and Swatman, Paula M. C. 2002, Online banking vs. bricks & mortar - or a hybrid model? A preliminary investigation of Australian and Indian banks, in CollECTeR Proceedings: 7th Annual CollECTeR Conference on Electronic Commerce, Faculty of Informatics, University of Wollongong, Wollongong, N.S.W., pp. 1-11.


Title Online banking vs. bricks & mortar - or a hybrid model? A preliminary investigation of Australian and Indian banks
Author(s) Unnithan, Chandana
Swatman, Paula M. C.
Conference name Collaborative Electronic Commerce Technology and Research. Conference (2002: Melbourne, Vic.)
Conference location Melbourne, Vic.
Conference dates 1-2 Dec. 2002
Title of proceedings CollECTeR Proceedings: 7th Annual CollECTeR Conference on Electronic Commerce
Editor(s) Cooper, Joan
Burgess, Lois
Alcock, Carole
Publication date 2002
Conference series Collaborative Electronic Commerce Technology and Research. Conference
Start page 1
End page 11
Publisher Faculty of Informatics, University of Wollongong
Place of publication Wollongong, N.S.W.
Keyword(s) clicks and mortar
online banks
post-positivism
Australia
India
Summary Deregulation, innovations in mobile and wireless technologies and media convergence, together with the rapid diffusion of the Internet, have opened up strategic business opportunities in the financial sector. With deregulation removing entry barriers, an increasing number of online banks are threatening the market share of ‘bricks and mortar’ banks. To survive this competition, and to leverage the new opportunities of online and mobile banking facilitated by the Internet, many banks have adapted a hybrid, ‘clicks and mortar’ model, to increase their profitability while reducing transaction costs. In this paper, we report the results of a preliminary analysis based on a few major banks in Australia and India, two diverse economies, to reveal some interesting insights.
ISBN 0864187831
9780864187833
Language eng
Field of Research 150399 Business and Management not elsewhere classified
Socio Economic Objective 970115 Expanding Knowledge in Commerce, Management, Tourism and Services
HERDC Research category E1 Full written paper - refereed
Persistent URL http://hdl.handle.net/10536/DRO/DU:30004741

Document type: Conference Paper
Collection: Citation only collection - Business & Law
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