We exploit the staggered expansion of the internet broadband network to firms and bank branches locations in Peru … during the last decade to study non-financial firm performance and bank credit dynamics. Access to broadband unleashes firm … that had a borrowing relation with a bank before the expansion of broadband, the increase in sales serves as a signal to …

We investigate how the presence of physical bank branches moderates financial technology diffusion. Our identification …

This paper studies the links between competition in the lending market and spreads of bank loans in Brazil. Evidence … interest rates as the bank-firm relationship duration increases. Both results are stronger for micro and small firms than for …