The Economic Effects of Technological Progress: Evidence from the Banking Industry

Technical Change and the Aggregate Production Function

1957 • 11,113 citations

Deposit Insurance, Risk, and Market Power in Banking

1990 • 2,637 citations

Inside the black box: What explains differences in the efficiencies of financial institutions?

1997 • 2,207 citations

Does Distance Still Matter? The Information Revolution in Small Business Lending

2002 • 2,142 citations

The Resurgence of Growth in the Late 1990s: Is Information Technology the Story?

2000 • 1,729 citations

Raising the Speed Limit: U.S. Economic Growth in the Information Age

2000 • 1,551 citations

The consolidation of the financial services industry: Causes, consequences, and implications for the future

1999 • 1,486 citations

Distance, Lending Relationships, and Competition

2005 • 1,392 citations

The measurement of productive efficiency : techniques and applications

1993 • 1,368 citations

Diversification, Size, and Risk at Bank Holding Companies

1997 • 1,074 citations

Competitive viability in banking

1987 • 897 citations

Information Sharing in Credit Markets

1993 • 749 citations

A comparative anatomy of credit risk models

2000 • 745 citations

Measurement and Efficiency Issues in Commercial Banking

1992 • 680 citations

Globalization of Financial Institutions: Evidence from Cross-Border Banking Performance

2000 • 674 citations

Information sharing, lending and defaults: Cross-country evidence

2002 • 653 citations

Bank efficiency derived from the profit function

1993 • 644 citations

The Transformation of the U.S. Banking Industry: What a Long, Strange Trip It's Been

1995 • 628 citations

Resolving the scale efficiency puzzle in banking

1993 • 620 citations

Untitled

1997 • 557 citations

Megamergers in Banking and the Use of Cost Efficiency as an Antitrust Defense

1992 • 473 citations

The Determinants of Technology Adoption: The Case of the Banking Firm

1984 • 425 citations

The effect of mergers and acquisitions on the efficiency and profitability of EC credit institutions

1996 • 419 citations

Foreign-Owned Banks in the United States: Earning Market Share or Buying It?

1996 • 417 citations

Bank Capitalization and Cost: Evidence of Scale Economies in Risk Management and Signaling

1998 • 411 citations

The Effect of Credit Scoring on Small-Business Lending

2001 • 407 citations

The efficiency effects of bank mergers: An overview of case studies of nine mergers

1998 • 392 citations

The Transformation of the U.S. Banking Industry: What a Long, Strange Trip It's Been

1995 • 388 citations

Banks' Responses to Deregulation: Profits, Technology, and Efficiency

1997 • 386 citations

A Reconsideration of Hedonic Price Indexes with an Application to PC’s

2003 • 376 citations

Untitled

2001 • 361 citations

What's the point of credit scoring?

1997 • 343 citations

Consolidation and efficiency in the US life insurance industry

1999 • 337 citations

Technical Progress, Inefficiency, and Productivity Change in U.S. Banking, 1984-1993

1999 • 337 citations

The dollars and sense of bank consolidation

1999 • 320 citations

Do Mergers Improve the X-Efficiency and Scale Efficiency of U.S. Banks? Evidence from the 1980s

1997 • 295 citations

Information Technology and Financial Services Competition: Table 1

2003 • 280 citations

Technical Change, Organizational Form, and the Structure of Bank Production

1986 • 257 citations

Credit reporting systems and the international economy

2003 • 250 citations

Network Externalities and Technology Adoption: Lessons from Electronic Payments

2004 • 245 citations

Returns to Scale and Input Substitution for Large U. S. Banks

1990 • 231 citations

How did bank holding companies prosper in the 1990s?

2000 • 225 citations

The Diffusion of Financial Innovations: An Examination of the Adoption of Small Business Credit Scoring by Large Banking Organizations

2005 • 206 citations

Risk-based capital and deposit insurance reform

1991 • 203 citations

The value of private sector business credit information sharing: The US case

2003 • 202 citations

Technological Progress and the Geographic Expansion of the Banking Industry

2006 • 191 citations

The efficiency effects of bank mergers and acquisition: A preliminary look at the 1990s data

1998 • 189 citations

A Nonparametric Approach for Assessing Productivity Dynamics of Large U.S. Banks

2001 • 185 citations

Economic Cost, Scale Efficiency, and Competitive Viability in Banking

1996 • 175 citations

Distance and International Banking

2005 • 171 citations

Do consumers pay for one-stop banking? Evidence from an alternative revenue function

1996 • 169 citations

Bank Mergers, X‐Efficiency, and the Market for Corporate Control

1997 • 154 citations

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2002 • 153 citations

Productivity Growth in the 1990s: Technology, Utilization, or Adjustment?

2001 • 146 citations

Securitization with recourse

1987 • 131 citations

‘Baumol’s Disease’ has been Cured: IT and Multifactor Productivity in US Service Industries

2006 • 130 citations

Structural change in banking

1993 • 130 citations

Performance of financial institutions : efficiency, innovation, regulation

2000 • 121 citations

Payment transactions, instruments, and systems: A survey

1997 • 121 citations

Explaining The Dramatic Changes In Performance Of U.S. Banks: Technological Change, Deregulation, And Dynamic Changes In Competition

2001 • 118 citations

Regulation Can Foster Mergers, Can Mergers Foster Efficiency? The Italian Case

1998 • 114 citations

Cost reductions in electronic payments: The roles of consolidation, economies of scale, and technical change

1999 • 112 citations

Productivity Growth in the 1990s: Technology, Utilization, or Adjustment?

2001 • 111 citations

Untitled

2002 • 111 citations

A Framework for Analyzing Efficiency, Risks, Costs, and Innovations in the Payments System

1996 • 110 citations

The productivity effects of bank mergers: Evidence from the UK building societies

1999 • 110 citations

Empirical Studies of Financial Innovation: Lots of Talk, Little Action?

2004 • 107 citations

An index number approach to measuring bank efficiency: An application to mergers

1993 • 105 citations

Securitization, risk, and the liquidity problem in banking

1991 • 99 citations

Foreign-Owned Banks in the U.S.: Earning Market Share or Buying It?

1998 • 96 citations

A Reconsideration of Hedonic Price Indexes With An Application to PC's

2003 • 96 citations

The effect of bank capital requirements on bank off-balance sheet financial innovations

1995 • 87 citations

Electronic Finance: Reshaping the Financial Landscape Around the World

2001 • 78 citations

Empirical Studies of Financial Innovation: Lots of Talk, Little Action?

2002 • 77 citations

The Use of Checks and Other Noncash Payment Instruments in the United States

2002 • 76 citations

The Effect of Credit Scoring on Small Business Lending in Low- and Moderate-Income Areas

2001 • 72 citations

Credit Scoring: Statistical Issues and Evidence from Credit‐Bureau Files

2000 • 72 citations

Information Technology and Financial Services Competition

2002 • 57 citations

Scale Economies, Cost Efficiencies, and Technological Change in Federal Reserve Payments Processing

1996 • 55 citations

Diffusion of Financial Innovations: The Case of Junk Bonds and Note Issuance Facilities

1996 • 54 citations

Productivity growth, market structure, and technological change: evidence from the rural banking sector

2000 • 45 citations

Inside the Black Box: What Makes a Bank Efficient

2000 • 45 citations

E-Finance: An Introduction

2001 • 38 citations

New evidence on the Fed's productivity in providing payments services

2003 • 27 citations

Financial Innovation, Strategic Real Options and Endogenous Competition: Theory and an Application to Internet Banking

2003 • 27 citations

The effects of regulation on bank participation in the guarantee market

1987 • 25 citations

Bank Mergers & Acquisitions

1998 • 23 citations

Learning-by-Doing, Scale Efficiencies, and Financial Performance at Internet-Only Banks

2001 • 22 citations

Internet Banking in the U.S.: Landscape, Prospects, Industry Implications

2001 • 20 citations

Competitive viability in banking: looking beyond the balance sheet

1997 • 18 citations

Estimates of Scale and Cost Efficiency for Federal Reserve Currency Operations

2001 • 16 citations

Contestability, Technology and Banking

2002 • 12 citations

New Evidence on the Fed's Productivity in Providing Payments Services

2002 • 11 citations

Performance and operation of commercial bank web sites

2001 • 11 citations

Diffusion of Financial Innovations: The Case of Junk Bonds and Note Issuance Facilities

1998 • 7 citations

Productivity in banking

2001 • 4 citations

New Products and Price Indexes

1998 • 3 citations

Deleted Work

1955 • 0 citations