Matthew Strathearn - Latest

• 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

• A Spatial Model of Bank Branches in Canada

  Staff Working Paper 2020-4 Heng Chen, Matthew Strathearn

  Using data on bank branch locations across Canada from 2008 to 2018, we explore an interesting aspect of bank branch competition—geographic concentration. We find that bank branch density does not correlate with geographic and market concentration; however, we do find strong correlation with postal-code demographics.

  Content Type(s): Staff research, Staff working papers Topic(s): Firm dynamics, Market structure and pricing JEL Code(s): L, L1, R, R3