Branch Banking and Service Accessibility

Douglas Evanoff

Journal of Money, Credit and Banking, 1988, vol. 20, issue 2, 191-202

Abstract: Probably the single most meritorious feature associated with liberali zed branching is the potential for improved customer service. Custome r convenience resulting from an increased number of banking facilitie s is one element of this service. This article analyzes the impact of branching on service accessibility-measured as the number of bank ing offices per square mile. This measure is considered preferred bec ause it better incorporates the characteristics of convenience, i.e., spatial features. The findings consistently indicate that accessibil ity is improved when branching is allowed. In contrast to previous fi ndings, the results hold true for both metropolitan and rural areas. Copyright 1988 by Ohio State University Press.

Date: 1988
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