The markets for bank accounts across the EU differ considerably among Member States, i.e. they are still fragmented along national lines and there is limited integration across different Member States. But even within national markets, there is evidence of major obstacles to consumer choice and...

Remittances are vitally important for the families of migrants (providing disposable funds), for developing country governments (as a valuable inflow of funds into their country) and for banks in receiving countries (by providing foreign currency and access to new potential customers). The...