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 …

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 …

the banks that they borrow from, we use bank stress tests as exogenous shocks to credit access for hospitals that have …

studies in India that provide unique insight into this issue. First, we use a discrete choice experiment to show that patients …

Italy, Brazil and then finally India. We also show that autonomous government schools (i.e. government funded but with …

) electronic payments system. We construct an equilibrium model of customer and bank adoption of ACH. We structurally estimate the …

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 …This paper develops a spacial model of ATM networks to explore the implications for banks and non-banks of interchange …

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 …