This paper presents an empirical study of the strategic contributions of automated teller machines (ATMs) to improving a bank branch‘s local deposit market share at the expense of its competitors. By extending previous models of deposit market share in branch banking to incorporate ATM technology variables, we develop a tool to provide answers and insights on key questions involving the evaluat...

Compare to other firms, banks are special in three ways. First, most banks are insured by deposit insurance. Second, banking industry is highly regulated. Third, banks are financial intermediary. To attract deposits is one of a bank’s main functions, and deposits compose the most part of a bank’s debt. Among the various regulations, minimum capital requirements play an important role, which req...

The impact of gifts on deposit balances and customer satisfaction was examined in a longitudinal field experiment conducted at a commercial bank. Gifts increased deposit balances, survey response rates, and customer satisfaction compared to the no-gift control. Several factors were manipulated within the gift treatment: gift type, the accompanying message, and the sequence of gift value, which ...

For most ofthe last 50 years, to promote a safe banking system, the U.S. Congress has imposed interest rate ceilings on bank deposits. Federal legislation passed in the wake of the 1930s banking crisis prohibited banks from paying any interest on checking accounts and authorized the Federal Reserve Board of Governors to set upper limits on the rates banks could offer on time and savings account...

The transient surface flow occurring when a cylindrical pile of dry granular material is suddenly allowed to spread on a horizontal plane is investigated experimentally as a function of the released mass M, the initial aspect ratio a of the granular cylinder pile, the properties of the underlying substrate ~smooth or rough, rigid or erodible! and the bead size. Two different flow regimes leadin...

The main goal of this research work was to detect the different Cu mineralized zones in the Sungun porphyry deposit in NW Iran using the Spectrum-Volume (S-V) fractal modeling based on the sub-surface data for this deposit. This operation was carried out on an estimated Cu block model based on a Fast Fourier Transformation (FFT) using the C++ and MATLAB programing. The S-V log-log plot was gene...

The Chah-Shur clay deposit is located in150 km southeast of Isfahan. Eocene igneous rocks ‎and Quaternary deposits cover the area. Eocene volcanic rocks include andesite and tuffs ‎which relating to magmatic activities of Urumieh-Dokhtar magmatic belt. Alteration of the ‎vitric and lithic tuff units has produced the clay deposit. Based on the petrographic studies, ‎the main minerals in tuff uni...

Theoretical studies about the interrelation of bank runs and deposit insurance assume that depositors are perfectly informed about deposit insurance and its main features. This assumption is commonly made, but was hardly ever checked empirically. Taking German depositors as an example, we investigate the knowledge about existing deposit insurance systems and how the insurance levels of differen...