Evolution of banking infrastructure and its impact on the traditional branch model.
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Abstract
In recent years, the adoption of Information Technologies (ICTs) has modified the relationship between users and companies. Understanding the new times, banks modified their infrastructure to the user’s needs by making available access points far from the branch. In the last decade, the sector has grown
significantly in its digital infrastructure, but not in the branches. This research analyses whether the increase in Automated Teller Machines (ATM), Point of Sale Terminals (POS), Mobile Banking (BM), and Commission Businesses
(MNC) has an impact on the number of branches. The objective is to have empirical evidence that supports the change in the business model that has the traditional branch as its axis to the adoption of alternative access points supported by digitalization. With information from the National Banking and
Securities Commission of the major seven banks and using the panel data methodology, evidence of the significant relationships proposed is obtained. Among the main findings is that MNC and ATM have a direct relationship with the number of branches. In contrast, TPV and BM have an inverse relationship, which means that as this infrastructure increases, the number of branches decreases.
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