A close relationship with customers, mainly achieved through the opening of local branches, has long been a fundamental key to competitive advantage in the banking sector. Financial innovation, changes in customer behavior and competitive dynamics have transformed this relationship over time, leading to the closure of numerous branches. This work explores the determinants of branch evolution in an advanced and notoriously bank-centric country (Italy) using NUTS 3 panel data over the 2000-2016 time-span. Results show how - in general - demographic, industrial and economic variables explain the dynamics of banks’ branch location strategy. However, more heterogeneous evidence emerges when North and South Italy are taken into consideration separately suggesting that territorial and regional dimension might play a role even in the banking sector.

Barbieri, L., Borroni, M., Lippi, A., Piva, M., Rossi, S., Determinants of Bank Branch Presence in Local Areas: A Comparison Between North and South of Italy, <<INTERNATIONAL JOURNAL OF ECONOMICS AND FINANCE>>, 2021; 13 (9): 15-N/A. [doi:10.5539/ijef.v13n9p15] [http://hdl.handle.net/10807/182682]

Determinants of Bank Branch Presence in Local Areas: A Comparison Between North and South of Italy

Barbieri, Laura
Membro del Collaboration Group
;
Borroni, Mariarosa
Membro del Collaboration Group
;
Lippi, Andrea
Membro del Collaboration Group
;
Piva, Mariacristina
Membro del Collaboration Group
;
Rossi, Simone
Membro del Collaboration Group
2021

Abstract

A close relationship with customers, mainly achieved through the opening of local branches, has long been a fundamental key to competitive advantage in the banking sector. Financial innovation, changes in customer behavior and competitive dynamics have transformed this relationship over time, leading to the closure of numerous branches. This work explores the determinants of branch evolution in an advanced and notoriously bank-centric country (Italy) using NUTS 3 panel data over the 2000-2016 time-span. Results show how - in general - demographic, industrial and economic variables explain the dynamics of banks’ branch location strategy. However, more heterogeneous evidence emerges when North and South Italy are taken into consideration separately suggesting that territorial and regional dimension might play a role even in the banking sector.
Inglese
Barbieri, L., Borroni, M., Lippi, A., Piva, M., Rossi, S., Determinants of Bank Branch Presence in Local Areas: A Comparison Between North and South of Italy, <<INTERNATIONAL JOURNAL OF ECONOMICS AND FINANCE>>, 2021; 13 (9): 15-N/A. [doi:10.5539/ijef.v13n9p15] [http://hdl.handle.net/10807/182682]
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Utilizza questo identificativo per citare o creare un link a questo documento: http://hdl.handle.net/10807/182682
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