runs, and face a threat of entry. Higher competition increases deposit rates and bank fragility, resulting in an … intermediate socially optimal level of bank competition. We provide a novel theory of bank opacity. The cost of opacity is more … is to deter entry of competitors, which increases bank charter value. Banks can be excessively opaque, motivating …

Internet of Things (IoT) applications. However, such applications require new regulation and business models to incentivize …

identify and dispel. In an effort to start to understand the challenges and likely trajectory for SC regulation, this paper … needs to be done, and while it is clear that SCs will play an important role in FINTECH's future and the regulation of that …

In this paper, we assess the impact of competition and regulation on prices of mobile services in France. We estimate …-adjusted prices to a set of competition and regulation variables and find that the launch of 4G networks by mobile operators was the … introduced to pre-empt the entry of low cost competitor declined at the time of entry. Moreover, we find that regulation, which …