). We use detailed individual-level survey data, combined with key country-level indicators of bank competition and … financial soundness, to study the effect on the adoption of several financial products (bank accounts, credit and debit cards …, and bank loans). We find that more competition tends to increase the probability of access to these financial products. On …

adoption for financial stability. We estimate bank-level intensity of IT adoption before the global financial crisis using a … novel dataset that provides information on hardware used in US commercial bank branches after mapping them to their parent … bank. We find that higher intensity of IT-adoption led to significantly lower non-performing loans when the crisis hit …

core business allows a bank to borrow more and take side risks on a larger scale, offsetting lower incentives to take risk … with cross-sectional patterns of bank risk-taking in the run up to the recent financial crisis …

increase in the average loan size of microfinance institutions and the declining number of borrowers point to potentially …

, while raising formal household bank savings and allowing for more intermediation, at high levels of remittance-to-GDP …