) electronic payments system. We construct an equilibrium model of customer and bank adoption of ACH. We structurally estimate the … variation in the adoption decisions of banks based outside the network and other factors. We find that most of the impediment to … larger subsidies to banks for ACH adoption could increase welfare significantly …

Turkish bank to test SMS direct marketing promotions to 108,000 existing holders of “free” checking accounts, we find that …

We use exogenous variation in the degree of restrictions to bank competition across Italian provinces to study both the … effects of bank regulation and the impact of deregulation. We find that where entry was more restricted the cost of credit was … increase in bad loans. In provinces where restrictions to bank competition were most severe, the proportion of bad loans after …

The prevalence of shirking within a large Italian bank appears to be characterized by significant regional …

the literature for Italy, interest rates on shortterm lending of liquid and well-capitalized banks react less to a … in the pass-through on the interest rate on current accounts depends mainly on banks' liability structure. Bank's size is …The aim of this paper is to study cross-sectional differences in banks interest rates. It adds to the existing …