Various factors affecting bank's decision on product and services pricing-
1. Transfer pricing between different branches,
2. Credit scores,
3. Carbon emission points ( Eco friendly proposals)
4. Sex differentiation ( women, girl child concessions)
5. Base rate/ Benchmark rates/ LIBOR ( Refrence rate )etc
or any other factor.
And something else.
Available on request (email outside RG).
http://www.emeraldinsight.com/doi/pdfplus/10.1108/EUM0000000001450
A few years ago Dr Boulanaoour and I looked at price competition among New Zealand Banks. The specific interest at the time was how it related to small business clients. What we found Locke, S.M. & Boulanouar, Z. (2009). Cost of small business banking: A New Zealand study, Service Business: An International Journal, 3 (3), 211-227 was that the charges for various services varied widely between banks and it was possible to choose the best bank given your typical type of service requirements. We also found that price had almost nothing to do with why people chose a particular bank.
This is a limited study in New Zealand but may help provide some framework for an investigation elsewhere. Good luck with your question, Stuart Locke Professor of Finance.
https://www.researchgate.net/publication/287162366_Transaction_Banking_Services_The_Case_of_Bangladesh?ev=prf_pub
Book Transaction Banking Services: The Case of Bangladesh
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