R22 - Other Demand

• Geographical and Cultural Proximity in Retail Banking

  Staff Working Paper 2023-2 Santiago Carbo-Valverde, Héctor Pérez Saiz, Hongyu Xiao

  This paper measures how both geographical and cultural proximity of bank branches affect household credit choice and pricing. For credit products that require high levels of ex-ante screening, we find that both proximities can complement each other in reducing the cost of providing soft information, thereby increasing credit access.

  Content Type(s): Staff research, Staff working papers Topic(s): Credit and credit aggregates, Financial institutions, Financial services JEL Code(s): D, D8, D82, D83, G, G2, G20, G21, R, R2, R22, Z, Z1, Z10, Z13

• Consumer Cash Withdrawal Behaviour: Branch Networks and Online Financial Innovation

  Staff Working Paper 2021-28 Heng Chen, Matthew Strathearn, Marcel Voia

  The physical network of bank branches is important in how consumers manage their cash holdings. This paper estimates how consumer withdrawal behaviour responds to the distance they must travel to their branch.

  Content Type(s): Staff research, Staff working papers Topic(s): Bank notes, Digital currencies and fintech JEL Code(s): G, G2, G21, R, R2, R22