We study the spatial expansion of banks in response to banking deregulation in the 1980s and 90s. During this period …, large banks expanded rapidly, mostly by adding new branches in new locations, while many small banks exited. We document … that large banks sorted into the densest markets, but that sorting weakened over time as large banks expanded to more …

We study specialized lending in a credit market competition model with private information. Two banks, equipped with …

Open banking (OB) empowers bank customers to share transaction data with fintechs and other banks. 49 countries have …