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Quantifying Equilibrium Network Externalities in the ACH Banking Industry
Ackerberg, Daniel A. - 2006
) electronic payments system. We construct an equilibrium model of customer and bank adoption of ACH. We structurally estimate the …
Persistent link: https://www.econbiz.de/10012466177
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Fees and Surcharging in automatic teller machine networks : Non-bank ATM providers versus large banks
Croft, Elizabeth W. - 2003
fees, foreign fees and surcharges applied to transactions by customers at other than an own-bank ATM. Surcharging raises … typically not possible between a bank and a non-bank. A high cost of teller transactions modifies the tendency towards high ATM …
Persistent link: https://www.econbiz.de/10012468814
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Branch Expansion versus Digital Banking : The Dynamics of Growth and Inequality in a Spatial Equilibrium Model
Ji, Yan; Teng, Songyuan; Townsend, Robert M. - National Bureau of Economic Research - 2021
We develop a heterogeneous-agent model with local spatial markets to study the relationships among bank expansion … households across regions. We calibrate the model using a geographic information system to evaluate the rapid bank expansion in …
Persistent link: https://www.econbiz.de/10012496136
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The Big Tech Lending Model
Liu, Lei; Lu, Guangli; Xiong, Wei - National Bureau of Economic Research - 2022
By comparing uncollateralized business loans made by a big tech lending program with conventional bank loans, we find … far before maturity and borrow more frequently. These patterns remain for borrowers with access to bank credit. Our …
Persistent link: https://www.econbiz.de/10013334379
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Mobile Money, Interoperability, and Financial Inclusion
Brunnermeier, Markus Konrad; Limodio, Nicola; … - National Bureau of Economic Research - 2023
This paper investigates the tradeoff between competition and financial inclusion resulting from the vertical integration between mobile network and money operators. Joining newly assembled data on mobile money fees through the WayBack machine, with sources on network coverage and financials, we...
Persistent link: https://www.econbiz.de/10014372453
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Decoupling at the Margin : The Threat to Monetary Policy from the Electronic Revolution in Banking
Friedman, Benjamin M. - 2000
operations of the central bank from markets in which financial claims are created and transacted in ways that, at some operative …
Persistent link: https://www.econbiz.de/10012470781
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Can Mobile-Linked Bank Accounts Bolster Savings? Evidence from a Randomized Controlled Trial in Sri Lanka
De Mel, Suresh - 2018
introducing a product that permits Sri Lankan households to deposit mobile airtime balances into a formal bank using a new mobile …
Persistent link: https://www.econbiz.de/10012481004
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Financial Innovation and the Transactions Demand for Cash
Alvarez, Fernando E. - 2007
of bank branches and ATM terminals. We characterize the solution of the model and show that qualitatively it is able to …
Persistent link: https://www.econbiz.de/10012465235
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Strategic Incompatibility in ATM Markets
Knittel, Christopher R. - 2006
We test whether firms use incompatibility strategically, using data from ATM markets. High ATM fees degrade the value of competitors' deposit accounts, and can in principle serve as a mechanism for siphoning depositors away from competitors or for creating deposit account differentiation. Our...
Persistent link: https://www.econbiz.de/10012466057
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The Welfare Consequences of ATM Surcharges : Evidence from a Structural Entry Model
Gowrisankaran, Gautam - 2006
We estimate a structural model of the market for automatic teller machines (ATMs) in order to evaluate the implications of regulating ATM surcharges on ATM entry and consumer and producer surplus. We estimate the model using data on firm and consumer locations, and identify the parameters of the...
Persistent link: https://www.econbiz.de/10012466221