People often disregard the need for individual savings for old-age although a decreasing rate of birth and an … like banks and insurance companies which support their savings plans. We apply the behavioral life-cycle hypothesis to … have a large impact on oldage savings behavior. Our results differ across intermediary groups. They have important policy …

. Decentralised banks, which are predominantly regional savings banks and cooperative banks in Germany, nearly account for most … techniques for retail banking, like bank-ICT and rating systems. The detailed comparison of a savings bank with a big bank … challenges regional savings-investment cycles and thus regional independency. Second, mergers, branch closures and the …