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This paper aims to investigate the impacts of mobile and home banking use on bank fees in Brazil, from 2011 to 2017. Firstly, we present a brief evolution of e-banking in Brazil. Then, we discuss the effects of e-banking on competitiveness, through a network-city model developed by Wang-Wang (2018), which is an evolution of the seminal models of linear-city, developed by Hotteling (1929), and circular-city, developed by Salop (1979). Finally, we present our empirical study, through which we conclude that bank fees were impacted by the digital banking platforms. The results indicate that the decrease on transport costs, caused by the financial digitization, has reduced the price of bank fees to customers in the studied period. KEY-WORDS: Bank fees. Bank concentration. E-banking. Network-city model. JEL classification: C32, G21, L86.

DIGITALIZAÇÃO FINANCEIRA: EFEITOS DO MOBILE E HOME BANKING SOBRE AS TARIFAS BANCÁRIAS BRASILEIRAS