Topic: Banking
Mobile Banking, a Boon to Many, Disadvantages Those Who Bank at Branches
Banks close neighborhood outlets and raise prices for branch-delivered services
A Quiet Expansion of Deposit Insurance Could Disrupt U.S. Banking
Seen as a backstop to small- and midsized banks, the program, allowing insurance in multiples of $250,000, alters banking’s risk calculus
Banks Rent Out Their Balance Sheets — So Derivatives Cost More
Even before Dodd-Frank rules, the costs were significant
Banks Transmit Financial Shocks, Including from Natural Disasters
How a localized flood may result in fewer loans to a far-off community
Banks, Freed to Operate Across State Lines, Helped Stabilize the Economy
Lenders financed expansion in some markets, offsetting problems in others
Calculating a Value for the Government Support Banks Enjoy
Researchers’ model could quantify the risks in the growing movement to ease up on Dodd-Frank regulations
Can Banks, Disrupted by Fintech, Adopt New Habits, Too?
In China, patent data shows commercial banks’ use of new technologies helps improve efficiency and reduce risk
Cashless Payments: Faster Transactions, Easier Borrowing and Increased Household Income
System provides digital record of payments for India’s vast self-employed ranks, satisfying lenders, and raising the likelihood of starting a business
CD Withdrawal Penalties: Often More Than Worth the Risk
Banks know you won’t do the math: Even after a penalty for early withdrawal, the longer-term CD often nets out to a better deal
Did Bank Capital Rules Make Credit Card Borrowing More Expensive?
Though defaults are low, rates on credit card loan-backed notes are high
Good Information Alone Won’t Drive Financial Well-Being
A review of academic research finds the path to saving more and spending less often involves emotional prompts
How Banking’s Bifurcated Deposit Approach Is Altering Lending — and Risk
Offering higher deposit rates lessens emphasis on loans of fixed rate and longer maturity
How Commodity Price Swings Destabilize Bank Relationships
Small firms in Peru shop nationwide for cheap credit, but loyalty runs two ways
In a Crisis, Solvent Borrowers are Overcharged, Subsidizing Troubled Bank Clients
An unusual data trove from Greece’s economic collapse reveals the practice
Joint Bank Accounts Make for Happier Couples
Those who keep finances separate are likelier to split up, be less satisfied with their relationship
Keynes vs. FDR: Lessons from the Great Recession
Sebastian Edwards finds Keynes’ public take-down of Roosevelt’s gold policies still relevant today