The Impact of Mobile Banking Adoption on Retail Banking in Germany

Becker Michel (), Stolper Oscar () and Walter Andreas ()
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Becker Michel: Justus Liebig Universität Giessen, Licher Straße 74, 35390 Giessen, Germany
Stolper Oscar: Philipps-Universität Marburg, Biegenstraße 10, 35037 Marburg, Germany
Walter Andreas: Justus Liebig Universität Giessen, Licher Straße 74, 35390 Giessen, Germany

Zeitschrift für das gesamte Genossenschaftswesen, 2022, vol. 72, issue 4, 234-267

Abstract: cooperative bank and perform difference-in-differences analyses for the group of adopting clients and a matched sample of non-adopters. We document a sharp increase in online banking transactions after mobile banking adoption, while ATM, call center and bank branch transactions are used less often. In addition, clients more often transfer money via digital channels and pay cashless after they have unlocked mobile banking, which comes at the expense of offline money transfers and cash withdrawals. Finally, mobile banking adopters are more likely to purchase the products promoted by the bank and active use of mobile banking increases clients’ loyalty with the bank.

Date: 2022
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DOI: 10.1515/zfgg-2022-0019

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