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Title: An historical analysis of the market-entry of non-bank competitors into the retail banking markets in the USA and Germany between 1980 and 1990, and of the investments made by banks in information technology : a search for a hypothesis about causation
Author: Schulz, Jorg
Awarding Body: University of Edinburgh
Current Institution: University of Edinburgh
Date of Award: 1993
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Throughout the 1980s, information technology gained increasing importance within commercial banks. There have also been turbulent competitive developments in the retail banking market caused by non-banks making inroads into traditional banking business. This research examines whether there is a direct correlation between significant changes in the market environment of commercial banks and significant changes in the banks' information technology strategy. The research develops an understanding of this complex relationship in two distinct retail banking markets, the USA and Germany, and in two steps. The first is a thorough literature analysis of the factors influencing the model, the market-entries of selected non-bank competitors, and banks' general strategic response. The second is a qualitative research on the banks' strategic response, in particular in terms of information technology. The change of the IT strategy is measured by the investments made by banks in information technology. The research finds that commercial banks responded with a time lag of 1 to 1.5 years to market-entries of a substantial competitive and strategic scale. They spent more than twenty percent of their information technology budget devoted to information technology investments in the retail banking function of their institution, to respond to the market-entry. Thus, a direct correlation seems to exist.
Supervisor: Not available Sponsor: Not available
Qualification Name: Thesis (Ph.D.) Qualification Level: Doctoral
EThOS ID:  DOI: Not available