This paper lays out some of the basic concepts surrounding financial inclusion, including access to banking, digital … payments and financial literacy, as well as markets for health insurance, crop insurance, agricultural credit, small firm …

makes banking inefficient. Better capitalized banks suffer fewer distortions in lending decisions and would perform better …

We assess the influence of competition and capital regulation on the stability of the banking system. We particularly … requirements can lead to more entry into banking, essentially by reducing the competitive strength of lower quality banks. We also ….g. one country that opens up its banking system for competitors but not vice versa. …

to diagnose key vulnerabilities of national banking systems and estimate short-run economic costs of increasing banks …

for yield" to exploit the option value of implicit and explicit deposit insurance. In the latter case, market discipline …

deposit insurance, moral hazard, and asymmetric information; it also has implications for the regulation of payout policies …

insurance may induce excessive risk taking. The zero lower bound on deposit rates (ZLB) distorts bank competition and boosts …

banking organizations. Our analysis is based on security-level data on individual bank portfolios matched to bond …