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How can banks effectively stabilize their retail customers' saving behavior? : the impact of contractual rewards on saving persistence and cash flow volatility

Schlueter, Tobias; Sievers, Sönke; Hartmann-Wendels, Thomas - 2012 - This version: February 2012

We examine the saving behavior of banks' retail customers. Our unique dataset comprises the contract and cash flow information for approximately 2.2 million individual contracts from 1991 to 2010. We find that contractual rewards, i.e., qualified interest payments, and government subsidies,...

Persistent link: https://www.econbiz.de/10009664854

How can banks effectively stabilize their retail customers saving behavior? The impact of contractual rewards on saving persistence and cash flow volatility

Schlüter, Tobias; Sievers, Sönke; Hartmann-Wendels, Thomas - 2012

We examine the saving behavior of banks retail customers. Our unique dataset comprises the contract and cash flow information for approximately 2.2 million individual contracts from 1991 to 2010. We find that contractual rewards, i.e., qualified interest payments, and government subsidies,...

Persistent link: https://www.econbiz.de/10010310122