network, ATMS, internet banking and mobile banking can connect any customer of any bank in any branch with a customer in any … other bank regardless of time, location or physical boundaries. With the widespread of banking technology, public users or …

-sized enterprises (SMEs), this study seeks to identify the effect of bank market power on aggregate growth components. We test for a pre …-crisis sample whether bank market power spurs or hinders the reallocation of resources across informationally opaque firms … in Germany. The results show that bank markups spur aggregate SME growth, primarily through technical change and the …