Topic: Banking

An older man fills out forms in front of a bank teller while an older woman on the right talks to a bank teller. Research Brief / Banking

Mobile Banking, a Boon to Many, Disadvantages Those Who Bank at Branches

Banks close neighborhood outlets and raise prices for branch-delivered services

Composite image of stock charts overlaid on an image of a laptop Research Brief / Investing

Banks Rent Out Their Balance Sheets — So Derivatives Cost More

Even before Dodd-Frank rules, the costs were significant

A cityscape at sunset overlaid with a grid of lighted network Research Brief / Banking

Banks Transmit Financial Shocks, Including from Natural Disasters

How a localized flood may result in fewer loans to a far-off community

Illustration of a bridge made out of gears with a red connecting section in the middle Research Brief / Banking

Banks, Freed to Operate Across State Lines, Helped Stabilize the Economy

Lenders financed expansion in some markets, offsetting problems in others

FDIC logo on a window Research Brief / Banking

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

Three arrows that get progressively bigger that each have part of the Chinese yuan in them. Research Brief / Banking

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

A mobile phone showing cashless payments Research Brief / Personal Finance

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

Elderly couple looking through paperwork and receipts Research Brief / Banking

Did Bank Capital Rules Make Credit Card Borrowing More Expensive?

Though defaults are low, rates on credit card loan-backed notes are high

Illustration of a woman meditating Research Brief / Personal Finance

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

Map of Peru with gold nugget on top Research Brief / Banking

How Commodity Price Swings Destabilize Bank Relationships

Small firms in Peru shop nationwide for cheap credit, but loyalty runs two ways

The exterior of a bank in Greece is shown as a man in a blue shirt walks in front of it. Research Brief / Banking

In a Crisis, Solvent Borrowers are Overcharged, Subsidizing Troubled Bank Clients

An unusual data trove from Greece’s economic collapse reveals the practice

Illustration of a couple depositing money in a large piggy bank Research Brief / Personal Finance

Joint Bank Accounts Make for Happier Couples

Those who keep finances separate are likelier to split up, be less satisfied with their relationship

Monochrome photo of FDR Research Brief / Economics

Keynes vs. FDR: Lessons from the Great Recession

Sebastian Edwards finds Keynes’ public take-down of Roosevelt’s gold policies still relevant today

Small town in Colorado with red light on main street downtown and first national bank. Research Brief / Recession

Local Banks Provide an Early Warning System on Recessions

When they’re forced to pay up for deposits, it’s a bad sign for area’s economy

Screen grab of bank website Research Brief / Mortgage Lending

Local-Level Mortgage Lending: How Competition Pushes Rates Higher, Not Lower

A study finds unexpected impact when a disruptive player enters market

A gloomy seascape. Research Brief / Corporate Finance

Looming Risk to Financial System: $1 Trillion in Commercial Loan Pools

Known as collateralized loan obligations, their aim is actually to reduce risk