Do bank branches matter anymore?

Ozgur Ergungor () and Stephanie Moulton

Economic Commentary, 2011, issue Aug

Abstract: Bank branches have been disappearing in some major metropolitan areas, as their populations and economic activity decline. Our research suggests that brick-and-mortar branches provide tangible benefi ts to consumers, especially in low- and moderate-income neighborhoods. When branches are located in these areas, borrowers living there default less and have greater access to credit.

Keywords: Banks and banking - Ohio; Banks and banking - Research; Branch banks (search for similar items in EconPapers)
Date: 2011
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