Document Type
Article
Abstract
This paper analyzes the competition level of banking industry, prior and after the introduction of Indonesian Banking Architecture (API). Using panel data, the result shows the competition of banking decreased after the introduction of API, with large tendency to monopoly or collusive olligopoly. For the bank with niche market such as regional bank and mix bank, the introduction of API did not affect much, while the competition level for foreign bank is the lowest one. Non price variable would be the main determinant on banking competition in the future, including number of branches, wage and credit volume. Keywords: banking competition, market structure, Indonesian Banking Architecture (API).JEL Classification: C23, D40, E44, E58, G21, L11
Recommended Citation
Widyastuti, Ratna Sri and Armanto, Boedi
(2013)
"BANKING INDUSTRY COMPETITION IN INDONESIA,"
Bulletin of Monetary Economics and Banking: Vol. 15:
No.
4, Article 1.
DOI: https://doi.org/10.21098/bemp.v15i4.433
Available at:
https://bulletin.bmeb-bi.org/bmeb/vol15/iss4/1
First Page
401
Last Page
434
Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License
Country
Indonesia
Affiliation
Bank Indonesia
