This thesis combines five chapters, all of which have been motivated by the exciting and intense policy discussions that have been dominating the political and economic landscape in recent years. It covers European bank regulation and its effects on financial stability and economic welfare, the...

Experts have been discussed in the literature concerning the role of transferring knowledge to client firms and private customers. Nevertheless, only limited evidence has been presented concerning the clients’ internal perspective in particular on the degree of information. Seven papers are...