policy debate for a long time. At the beginning of the 1990s the advent of the Internet brought a new surge of debate: it was … argued that the Internet would free the economy from the constraints of geography (Cairncross, 1997), bringing about a more …

and policy debate for a long time. At the beginning of the 1990s the rise of the Internet brought a new surge of debate …: it was argued that the Internet would free the economy from the constraints of geography (Cairncross, 1997) bringing …

given by testing a monopolistic competition model of bank branching behaviour on individual bank data at county level … (départements and provinces) in France and Italy. We propose a measure of the degree of competiveness in each local market that is …