are more likely to enter foreign markets by means of foreign direct investment. We combine detailed proprietary bank …-level data on the international activities of all German banks with publicly available bank micro data from possible destination …

, rather than within, industries to study the impact of changes in the bank market structure on the corporate performance of …-fintech firms across twenty-four industrialized countries over the ten-year period from 2008 to 2017. We find that changes in bank … compete with banks. On the other hand, within the non-fintech sector, we find that changes in bank market power have no impact …

). We use detailed individual-level survey data, combined with key country-level indicators of bank competition and … financial soundness, to study the effect on the adoption of several financial products (bank accounts, credit and debit cards …, and bank loans). We find that more competition tends to increase the probability of access to these financial products. On …

efficiency of the least efficient bank active in a host country increases the greater the impediments to banking across borders …

locally in the foreign market, arises from differences in country-level bank efficiency. Together, these two driving forces … banking relative to international banking. Its key predictions regarding the cross-country pattern of foreign bank asset and …

more open to foreign entry. In the model, banking sector integration leads to bank exit and entry and convergence in the … return on loans and funding costs across countries. Bank heterogeneity matters for the associated welfare gains. Results … suggest that differences in bank efficiencies across countries drive banking across borders, that fixed costs are crucial for …