Osoro, Jared; Josea, Kiplangat - 2021
adoptions, bank branch network between 2006 and 2018 has tripled and ATM networks have increased four-fold. In this paper, we … for thirty-eight commercial banks, we find that non-price competition indicators matter for the bank's pricing behaviour … convenience on the deposit rate is negative for both bank branch network and ATMs network albeit insignificant, while the a higher …