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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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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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Exit, Tweets and Loyalty
Gans, Joshua S. - 2017
Hirschman's Exit, Voice, and Loyalty highlights the role of "voice" in disciplining firms for low quality. We develop a formal model of voice as a relational contact between firms and consumers and show that voice is more likely to emerge in concentrated markets. We test this model using data on...
Persistent link: https://www.econbiz.de/10012455634
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Merchants of Death : The Effect of Credit Supply Shocks on Hospital Outcomes
Aghamolla, Cyrus; Karaca-Mandic, Pinar; Li, Xuelin; … - National Bureau of Economic Research - 2021
the banks that they borrow from, we use bank stress tests as exogenous shocks to credit access for hospitals that have …
Persistent link: https://www.econbiz.de/10012510587
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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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Destabilizing Digital "Bank Walks"
Koont, Naz; Santos, Tano; Zingales, Luigi - National Bureau of Economic Research - 2024
analysis to the case of Silicon Valley Bank (SVB) and find that the reduced value of the deposit franchise can explain why SVB … was insolvent in early March 2023, even before the bank run occurred …
Persistent link: https://www.econbiz.de/10014576630
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Banking on Transparency for the Poor : Experimental Evidence from India
Field, Erica Marie; Rigol, Natalia; Moore, Charity Troyer; … - National Bureau of Economic Research - 2022
experimental intervention among recently banked poor Indian women receiving government cash transfers via direct deposit. Treated …
Persistent link: https://www.econbiz.de/10013334506
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Does The Market Reward Quality? : Evidence from India
Wagner, Zachary - 2019
studies in India that provide unique insight into this issue. First, we use a discrete choice experiment to show that patients …
Persistent link: https://www.econbiz.de/10012480403
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Quality and Accountability in Healthcare Delivery : Audit-Study Evidence from Primary Care in India
Das, Jishnu - 2015
, using a unique set of audit studies. We sent standardized (fake) patients to rural primary care providers in the Indian …
Persistent link: https://www.econbiz.de/10012457263