Mortgage payment protection insurance (hereafter MPPI) provides varying combinations of accident, sickness and unemployment insurance and is used to protect the mortgage payments of policyholders in the event of a fall in income. Recently the provision of this service in the UK has been heavily...

Do banks extract rent from depositors who hold older deposit accounts? This study addressed this question using product level data of the UK instant access (branch based) deposit market. In the context of a deposit market two research questions related to the conditions necessary for...

This study explores how price and non-price factors influence the quantity of retail deposits held by depository institutions. Price factors examined include the policy or base rate and retail deposit interest rates set by individual banks, and non-price factors include the branch network and...

We explore the factors that shape the extent and scope of the response of G20 countries to a Financial Stability Board (FSB) recommendation aimed at mitigating the risks from financial innovation. Using a formal content analysis of the FSBÕs Implementation Monitoring Network Surveys, we develop...

This study examines whether regionally and nationally branching banks set deposits interest rates differently. This assessment of the UK retail deposit market between 1992 and 2008 indicates regional banks set deposit interest rates in a manner distinct to nationally branching banks. This...

This study examines the influence of offering an overdraft facility on the customer costs of using a personal current account (also termed checking accounts). This assessment informs the wider debate as to whether overdraft use is a significant factor in paying for current account use within...