Brausewetter, Lars; Thomsen, Stephan L.; Trunzer, Johannes - 2022
, merging them with information on the incidence of epidemics and local 3G internet infrastructure. Epidemic exposure is … associated with an increase in remote-access (online/mobile) banking and substitution from bank branch-based to ATM activity. The … initial fixed costs. Exploring heterogeneity using a machine-learning driven approach, we find that young, high-income earners …