Osoro, Jared; Josea, Kiplangat - 2021
deposits, a 'shadow price' of deposits, but is not directly priced in the case of ATMs network; (ii) the effect of network … convenience on the deposit rate is negative for both bank branch network and ATMs network albeit insignificant, while the a higher … of a lower loan rates; (iv) differences in bank branch and ATMs significantly affects fee income albeit inversely in the …