The author explains that two steps being taken by banks to restructure their branch systems - the substitution of supermarket branches for traditional offices and the expansion of telephone banking through twenty-four-hour phone centers - may adversely affect employment in New York State as well...

We investigate the effect of an EU-wide consumer protection regulation on consumer trust as well as consumer behavior. The Unfair Commercial Practice Directive (UCPD) was implemented by EU member states between 2007 and 2010. We utilize data from the Special and Flash Eurobarometer for the years...