Diese Dissertation besteht aus vier unabhängigen Aufsätzen über die Finanzentscheidungen von Haushalten. Die ersten drei Aufsätze untersuchen die Beziehungen zwischen Haushalten und Banken. Der erste Aufsatz untersucht die Determinanten und die aggregierten Implikation von...

We experimentally test the impact of expanding access to basic bank accounts in Uganda, Malawi, and Chile. Over two years, 17%, 10%, and 3% of treatment individuals made five or more deposits, respectively. Average monthly deposits for them were at the 79th, 91st, and 96th percentiles of...

This paper investigates inertia within and across banks in retail deposit markets using detailed panel data on consumer choices and account characteristics. In a structural choice model, I find that costs of inertia are around one third higher for switching accounts across compared to switching...