Using data from Canada and the United States, we quantify consumers' net pecuniary cost of using cash, credit cards …-through have regressive distributional effects in Canada and the United States. …

individual customer and multiple firms repeatedly. Using contractlevel data for the Canadian mortgage market, we provide evidence …

early 1980s in Canada. This paper documents these trends and discusses potential explanations. A shift-share analysis … suggests that changes to Canada's industrial and demographic structures cannot explain the long-term downward trends, although …

This research aims to empirically analyze the spatial distribution of bank-branch networks in Canada. We study the …

This study is motivated by an ongoing controversy over banks' interest rate setting conduct in the Australian mortgage … banks set their mortgage interest rates on funding costs. We also confirm a declining transmission of the cash rate after … the GFC consistent with previous studies. Importantly, the close alignment of mortgage rates and international funding …

We analyze daily mortgage rates posted by online lenders at the price comparison site, Microsurf. While cost shocks … occurred almost daily in our sample, quoted mortgage rates are surprisingly rigid: Only 16 percent of the posted rates … rates systematically depends on market structure: Online mortgage rates are 30 to 40 percent more durable in concentrated …