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| Author: | Hunter, W. |
| Title: | Efficiency of service delivery systems in large commercial banks |
| Journal: | Psychology and Marketing
1995 : DEC, VOL. 12:8, p. 751-764 |
| Index terms: | EFFICIENCY COMMERCIAL BANKS MARKETING |
| Language: | eng |
| Abstract: | This article provides novel empirical evidence on the cross-sectional variation of the productive efficiency of large banks relative to their service delivery systems. The analysis is conducted using data drawn from a sample of 118 large U.S. commercial banks for the years 1989 through 1991. The analysis reveals that centralized service delivery systems increase bank costs significantly. In no case was it found that centralized service delivery systems reduce costs, as is often envisioned by proponents of centralization. |
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