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We investigate how the presence of physical bank branches moderates financial technology diffusion. Our identification …
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estimate a structural two-sided model of a payment choice. We exploit a unique dataset consisting of the Bank of Canada …
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particular) are more educated than non-adopters, and they are also more likely to already hold a bank account. Positive self …
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There is a steady increase in smartphone apps available to improve farmers' decision making with respect to crop protection. While current studies have focused on smartphone adoption in general and farmers' general willingness to pay for crop protection smartphone apps, none have focused on the...
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