between branches and the diffusion of e-banking services in local markets, controlling for individual bank and market … bank customers. Our results show that a high share of e-customers is associated with a reduction in revenues per customer …

find evidence of a bellshaped relationship between bank competition and firm creation. In addition, consistent with models … finding that competition may reduce the availability of credit to informationally opaque firms, we find that bank competition …

A large literature on the effects of bank consolidation focuses on direct efficiency gains for participating banks and … generated by bank consolidation. In particular, borrowers that depend on relationship-based lending may face a reduction in … investigate the full effect of bank mergers on the availability of credit for corporate borrowers by examining a large sample of …

threshold regression models both at the aggregate and the bank level and exploiting a unique dataset on Italian bank borrowersï …