This paper addresses the topic regarding the desirability of competition in banking industry. In a model where banks … investigate three questions: what are the effects of competition on banks' monitoring incentives? Does competition hurt banks …' stability? What can be devices to correct potential negative effects of competition vis à vis financial stability? We find that …

This paper addresses the desirability of competition in banking industry. In a model where banks compete on both … three questions: what are the effects of competition on banks' monitoring incentives? Does competition hurt banks' stability …? What can be devices to correct potential negative effects of competition vis à vis financial stability? We find that …

have received only limited attention in the research literature. Most of the studies on FinTech-bank interactions conducted …), whereas this paper aims at clarifying when the most likely form of their interaction is cooperation and when competition. To … rationale for cooperation) or substitutable (which gives the rationale for competition) was proposed. This study is a critical …

In this paper, we examine the influence of bank regulation, concentration, and financial and institutional development … on commercial bank margins and profitability across a broad selection of Middle East and North Africa (MENA) countries …. The empirical results suggest that bank-specific characteristics, in particular bank capitalization and credit risk, have …

Less-intense competition for deposits, by mitigating banks' incentive to take excessive risks, is traditionally … uncompetitive loan markets, less-fierce competition for deposits (i.e., lower deposit rates) leads to lower loan rates and, thus … less eager to risk-shift; this softens competition for risky loans, leading to higher loan rates and, ultimately, riskier …