for thirty-eight commercial banks, we find that non-price competition indicators matter for the bank's pricing behaviour … deposits, a 'shadow price' of deposits, but is not directly priced in the case of ATMs network; (ii) the effect of network … convenience on the deposit rate is negative for both bank branch network and ATMs network albeit insignificant, while the a higher …

advertising companies, substitution tendencies cannot be generalized. In particular, we argue that newspaper advertising offers … substitution between newspaper and online advertising can be expected to take place on the advertising side in the foreseeable …