be associated with greater resort to informal financial services compared with formal, bank-based access. This highlights …

financial inclusion in Cambodia. Based on a difference-in-difference analysis on bank and microfinance supervisory data, results …

). 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 …

empirical analysis, we build a parsimonious model of bank screening and lending that predicts that IT in banking can spur …