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Innovation, Productivity and Challenges in the Digital Era: Asia and Beyond

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Feb 2023

Bank Competition amid Digital Disruption: Implications for Financial Inclusion

Yang (Gloria) YU, Erica Xuewei JIANG, Jinyuan ZHANG
This paper studies how banks compete amid digital disruption and the resulting distributional effect across consumers. Digital disruption increases the geographic coverage of banking services, bringing new entrants to local markets. However, as digital customers shift from branches to digital servic...
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