Business Model of Internet Banks

11 Pages Posted: 6 Feb 2011

Date Written: February 5, 2011


Internet is not simply one more distribution channel among the multi-channel strategies used by the financial industry; it is fostering new "e-Business Models" such as Internet-primary banks. However, in spite of its strong development potential, this type of bank has often achieved a weak breakthrough onto this market and shows modest financial results. The goal of this article is to study the "e-Business Model" of Internet-primary banks and to determine if it can perform better than the "Business Model" of a traditional bank.

Keywords: business model, electronic business model, eCommerce, bank, financial service, Internet

JEL Classification: M15, O32, G21

Suggested Citation

Sahut, Jean-Michel, Business Model of Internet Banks (February 5, 2011). Available at SSRN: or

Jean-Michel Sahut (Contact Author)

IDRAC Business School

47 rue du Sergent Michel Berthet
Lyon, 69009

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