This study analyzes a decline in the ability to obtain financing as a potential explanation for the observed decrease in the U.S. self-employment. The shrinking of the U.S. bank branch network since 2010 and the increased average borrower-lender distance reduce the accessibility of credit...

Banking practices have been changed from traditional banking to core banking and services have been turned to be completely customized. The biggest challenge before the bankers is it has to take strong initiative taking into consideration the completely changing physical environment, depleting...