How Dutch Banking Customers Use Different Channels

February 18th, 2009
Benjamin Ensor
Courtney Tincher
and Vanessa Niemeyer, Ph.D.


The Netherlands is the leader in online banking and ATM use in Europe. A whopping 95% of Dutch consumers use ATMs, and 78% use online banking at least monthly. Although no more than 14% use branches today, the long decline in branch use has stalled. With

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