We model EU countries' bank ratings using financial variables and allowing for intercept and slope heterogeneity. Our … assigned lower ratings, ceteris paribus, than 'old' ones. We find that country-specific factors (in the form of heterogeneous … intercepts) are a crucial determinant of ratings. Whilst 'new' EU countries typically have lower ratings than 'old' ones, after …

We model EU countries' bank ratings using financial variables and allowing for intercept and slope heterogeneity. Our … lower ratings, ceteris paribus, than old ones. We find that country-specific factors (in the form of heterogeneous … intercepts) are a crucial determinant of ratings. Whilst new EU countries typically have lower ratings than old ones, after …

, we investigate the impact of mobile banking application (MBA) ratings on bank service income. The quarterly data from the … impact of MBA ratings on bank service income. We additionally explore the MBA quality of a large bank that does not meet … customer expectations and how the interaction between MBA ratings and leverage harms bank service income. Finally, users …