important role than internal processing technology. General bank level factors are more important than local internet access …. Bank internal use of technology appears to be more relevant than use of technology by competitors. While large banks rely … branch numbers across countries and the opening and closing of branches, bank fragility and consolidation are surprisingly at …

Recent theoretical models argue that a bank’s organizational structure reflects its lending technology. A … hierarchically organized bank will employ mainly hard information, whereas a decentralized bank will rely more on soft information …. We investigate theoretically and empirically how bank organization shapes banking competition. Our theoretical model …

first review how both physical distance and the presence of borders currently affect bank lending conditions (loan pricing … and credit availability) and market presence (branching and servicing). Next we discuss how technology and regulation have … empirical literature: (1) Bank lending to small businesses in Europe may be characterized both by (local) spatial pricing and …