The Impact of Information and Communication Technologies on Banks, Credit, and Savings: An Examination of Brazil

The Impact of Information and Communication Technologies on Banks, Credit, and Savings: An Examination of Brazil

• Autor
• Flavia Alves
• Resumo

• How do Information and Communication Technologies (ICTs) reshape the banking industry and banking habits? Using panel data containing detailed banking statements for public and private bank branches, I show that, following the rollout of the 4G mobile network, 8% of private banks exit the municipalities while their branches shrink on average 11% within five years of the introduction of this technology, compared to municipalities that do not have it. Public banks, on the other hand, are not responsive to improvements in mobile connectivity in terms of branch and bank organization. I also find that credit access increases in the presence of mobile networks, including in municipalities without traditional banks, suggesting the potential of bank digitization for financial inclusion.

• Palavras-chave
• CT, internet, 4G mobile network, banks, credit, financial inclusion, competition
• Modalidade
• Comunicação oral
• Área Temática
• Econometria Financeira

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