bureaus (or private credit bureaus and public credit registries) for financial sector competition. Hitherto unexplored … dimensions of financial sector competition are employed, namely: financial sector dynamics of formalization, informalization and …

We consider a spatial model of bank competition to study how the diffusion of information technology affects … competition in the lending market, stability of the banking sector, and social welfare. We find that the effects of an improvement …/screening costs. If so, then bank competition intensifies, which reduces bank stability and brings about an ambiguous welfare effect …

bureaus (or private credit bureaus and public credit registries) for financial sector competition. Hitherto unexplored … dimensions of financial sector competition are employed, namely: financial sector dynamics of formalization, informalization and …