We study how consumers trade off digital versus in-person banking services and how consumer demand impacts bank technology choices. We use the COVID-19 pandemic as a laboratory, where pandemic risk raised the cost of in-person bank services. After the cost of in-person banking rises, customers,...

Continuous removal of toxic element boron from aqueous solution was investigated with new phenolic hydroxyl modified resin (T-resin) using a fixed bed column reactor operated under various flow rates, bed height and influent concentrations. The breakthrough time, exhaustion time and uptake...

We examine the relationship between bank asset and informational quality. We use a diversified panel of 699 banks from 84 countries and measure opacity (lack of informational quality) with rating disagreements between issuer-specific ratings by the Big 3 credit rating agencies (S&P, Moody's and...