rents already. Thus our results suggest that in the bank-dominated financial system of Germany, in which banks intensely …

not sufficiently restrain monopoly rents already. Thus, our results suggest that in Germany's bank-dominated financial … households' deposits, a high level of household financial market participation might be beneficial. -- financial intermediaries …

rents already. Thus our results suggest that in the bank-dominated financial system of Germany, in which banks intensely …

Germany is falling behind its peers in adopting new digital technologies and financial services offered by non …. Our results indicate that a household's level of trust and comfort with new technologies, financial literacy, and overall … education, and preference for transparency are characterized by a higher probability of adopting FinTech. In contrast, household …