Enterprise resource planning: making ERP a success
Communications of the ACM
Information Technology and Firm Boundaries: Evidence From Panel Data
Information Systems Research
Information Systems Research
Frictionless Commerce? A Comparison of Internet and Conventional Retailers
Management Science
Flexible value structures in banking
Communications of the ACM - New architectures for financial services
An alternative architecture for financial data integration
Communications of the ACM - New architectures for financial services
Financial services business process outsourcing
Communications of the ACM - New architectures for financial services
Fraudulent auctions on the Internet
Electronic Commerce Research
Change factors requiring agility and implications for IT
European Journal of Information Systems - Including a special section on business agility and diffusion of information technology
Effect of technological breakthroughs on electronic markets
Electronic Commerce Research
The Long Tail: Why the Future of Business Is Selling Less of More
The Long Tail: Why the Future of Business Is Selling Less of More
The Journal of Strategic Information Systems
Reducing internet auction fraud
Communications of the ACM - Web searching in a multilingual world
Past, present and future of mobile payments research: A literature review
Electronic Commerce Research and Applications
Information Technology and Management
Information and Management
Journal of Management Information Systems
Wired for Innovation: How Information Technology is Reshaping the Economy
Wired for Innovation: How Information Technology is Reshaping the Economy
The strategic value of SOA: a comparative case study in the banking sector
International Journal of Information Technology and Management
Communications of the ACM
Computational complexity and information asymmetry in financial products
Communications of the ACM
Determinants and Outcomes of Internet Banking Adoption
Management Science
E-banking: challenges and opportunities in the Greek banking sector
Electronic Commerce Research
The adoption and concerns of e-finance in Malaysia
Electronic Commerce Research
The Role of Communication and Trust in Global Virtual Teams: A Social Network Perspective
Journal of Management Information Systems
The critical success factors of business process management
International Journal of Information Management: The Journal for Information Professionals
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This paper evaluates the impact of information technology (IT) on the operations of banks and the structure of the banking industry, including implications for stability. On the one hand, banks can focus on relationship banking and use IT developments to tailor services to individual needs and build enhanced, albeit modified, relationships with customers. On the other hand, IT better allows banks to exploit economies of scale and scope, which are most evident in transaction banking. Another manifestation of IT is via financial innovations that have enhanced marketability. Stability enters the picture because increased marketability facilitates opportunistic behavior. Together with enhanced herding behavior and changes in industry structure, this could undermine stability and augment systemic risk, calling for a regulatory overhaul.