the bank, on the size of withdrawals and on the ownership and use of ATM cards. We model the adoption of new transaction … stock of cash held, we provide some evidence based on the number of trips to the bank and on the average withdrawals that …

capital and trust (Banfield (1958), Putnam (1993)) across different parts of Italy, using microeconomic data on households and …

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 …

-Europe sentiment as does the 2010 Eurozone crisis. Yet, in spite of the worst recession in recent history, the Europeans still support …

We use a repeated survey of an Italian bank's clients to test whether investors' risk aversion increases following the …

loans is larger for firms with more problematic access to bank credit and workers less likely to face credit constraints … bank lending. Consistent with credit market imperfections opening up trade opportunities within the firm, we find that the …

's conjecture that today marked differences in social capital between the North and South of Italy were due to the culture of … independence fostered by the free city-states experience in the North of Italy at the turn of the first millennium. We show that …