Diferenciação Horizontal e Poder de Mercado: Os Efeitos do E-Banking sobre as Tarifas Bancárias

This paper provides empirical evidence on the impact of e-banking on competition in the banking sector, more specifically on banking fees. Using aggregate data on fee revenues, non-interest expenses, number of external ATMs, number of multiple and commercial banks, and the degree of concentration of the banking industry, results suggest that an increase in banking concentration raises banking fees, while an increase in the number of ATMs available lowers the fees charged to consumers.E-Banking, Cointegração, Cidade Circular, Concorrência