Technological and Regulatory Forces in the Developing Fusion of Financial‐Services Competition

Technological and Regulatory Forces in the Developing Fusion of Financial‐Services Competition

  • EDWARD J. KANE

Article first published online: 30th April 2012 DOI: 10.1111/j.1540-6261.1984.tb03667.x

Abstract


Product lines of traditionally heterogeneous financial institutions are rapidly fusing into a homogeneous blend. Institutions and market structures are reshaping themselves to lower the cost of serving customer demand for financial services. This paper contends that contemporary adaptations exploit scope economies rooted in technological change and deposit‐insurance subsidies to innovative forms of risk‐bearing.

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