) electronic payments system. We construct an equilibrium model of customer and bank adoption of ACH. We structurally estimate the …

fees, foreign fees and surcharges applied to transactions by customers at other than an own-bank ATM. Surcharging raises … typically not possible between a bank and a non-bank. A high cost of teller transactions modifies the tendency towards high ATM …

We develop a heterogeneous-agent model with local spatial markets to study the relationships among bank expansion … households across regions. We calibrate the model using a geographic information system to evaluate the rapid bank expansion in …

analysis to the case of Silicon Valley Bank (SVB) and find that the reduced value of the deposit franchise can explain why SVB … was insolvent in early March 2023, even before the bank run occurred …

By comparing uncollateralized business loans made by a big tech lending program with conventional bank loans, we find … far before maturity and borrow more frequently. These patterns remain for borrowers with access to bank credit. Our …

We study the corporate-loan pricing decisions of a major Greek bank during the Greek financial crisis. A unique aspect … of our dataset is that we observe both the interest rate and the "breakeven rate" of each loan, as computed by the bank …

Recent banking theory holds that durable firm-bank relationships are valuable to both parties. Using contract …-specific loan records of a nineteenth-century U.S. bank, this paper shows that firms that form extended relationships with banks … receive three principal benefits. First, firms with extended relationships face lower credit costs. As the bank …

introducing a product that permits Sri Lankan households to deposit mobile airtime balances into a formal bank using a new mobile …

of bank branches and ATM terminals. We characterize the solution of the model and show that qualitatively it is able to …