Physical frictions and digital banking adoption

Physical frictions and digital banking adoption

The behavioral literature suggests that minor frictions can elicit desirable behavior without obvious coercion. Using closures of ATMs in a densely populated city as an instrument for small frictions to physical banking access, we find that customers affected by ATM closures increase their usage of...

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Bibliographic Details
Main Authors: CHOI, Hyun Soo, LOH, Roger
Format: text
Language:English
Published: Institutional Knowledge at Singapore Management University 2023
Subjects:
Frictions
Digital Banking
Fintech
Geography
Household Finance
Financial Inclusion
E-Commerce
Finance and Financial Management
Online Access:https://ink.library.smu.edu.sg/lkcsb_research/6708
https://ink.library.smu.edu.sg/context/lkcsb_research/article/7707/viewcontent/choiloh_2023_MS_prepub_version.pdf
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Institution: Singapore Management University
Language: English

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https://ink.library.smu.edu.sg/lkcsb_research/6708
https://ink.library.smu.edu.sg/context/lkcsb_research/article/7707/viewcontent/choiloh_2023_MS_prepub_version.pdf

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