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Changing Retail Banking Supply-Demand Mismatch: A Tale of Two States

Changing Retail Banking Supply-Demand Mismatch: A Tale of Two States

Bin Zhou
Copyright: © 2010 |Volume: 1 |Issue: 2 |Pages: 18
ISSN: 1947-9654|EISSN: 1947-9662|EISBN13: 9781609604233|DOI: 10.4018/jagr.2010030903
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MLA

Zhou, Bin. "Changing Retail Banking Supply-Demand Mismatch: A Tale of Two States." IJAGR vol.1, no.2 2010: pp.37-54. http://doi.org/10.4018/jagr.2010030903

APA

Zhou, B. (2010). Changing Retail Banking Supply-Demand Mismatch: A Tale of Two States. International Journal of Applied Geospatial Research (IJAGR), 1(2), 37-54. http://doi.org/10.4018/jagr.2010030903

Chicago

Zhou, Bin. "Changing Retail Banking Supply-Demand Mismatch: A Tale of Two States," International Journal of Applied Geospatial Research (IJAGR) 1, no.2: 37-54. http://doi.org/10.4018/jagr.2010030903

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Abstract

In this study, the author compares the supply-demand mismatch of retail banking services and the changing patterns in Illinois and New York from 1982 to 2007 amid fundamental banking transformation and geographical deregulation. The study uses measures of concentration like the Herfindahl-Herschman Index (HHI) and the E-Index. The study finds that the traditionally unit banking Illinois has narrowed the mismatch over the study period from 1982 to 2007, whereas the traditionally branch banking New York has expanded such mismatch. The study also finds that while the New York banking industry can be characterized by a more concentrated geographical distribution of bank deposits, the Illinois banking industry still has a dispersed geographical concentration of bank offices, though the Chicago MSA has reversed such a pattern.

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