in the New Zealand banking market. We find seven categories of switching costs are perceived to exist by bank customers … banks despite a desire to do so. We then consider possible regulatory responses to bank switching costs and recommend three … actions for regulators. The recommendations include regulators acknowledging the existence of bank switching costs and …

New Zealand has adopted a system of market-based bank regulation to try to reduce moral hazard and fiscal risk for the … bank still monitors banks, it now uses only publicly disclosed information. Judging initial reactions, the author argues …

: customers, investors and other stakeholders -- Out of sigh out of ming? : off-balance sheet banking -- Act ii: bank decision …-making and the regulation of banks : capital, regulation, purpose and culture -- When your chickens come home to roost : bank …

of products, and for switching from and to the intervened bank. However, we show heterogeneity in consumer responses to … the government, consumers with no or little trust are more likely to switch away from a bank after a nationalisation …, relative to customers of the control bank. This holds for switching with the savings and current account. This highlights that …