Do consumers pay for one-stop banking? Evidence from an alternative revenue function
研究了银行联合提供存贷款服务时是否存在收入范围经济，发现1978-1990年间美国银行在收入方面没有显著互补性，对银行业务扩张的协同效应主张提出质疑。
In providing financial services jointly, banks may reduce costs due to complementarities in production (cost economies of scope) or raise revenues from complementarities in consumption (revenue economies of scope). Cost economies of scope between bank deposits and loans have been found to be small. Revenue economies of scope are investigated here for the first time and found to be insignificant over 1978–1990 for both small and large banks and for those on or off the revenue-efficient frontier. The lack of complementarities between deposits and loans — where benefits are most likely to occur — suggests that claims of important synergies from an expansion of banking powers be taken with caution.