he U.S. Congress passed the Community Reinvestment Act (CRA) in 1977 to encourage depository institutions to meet the credit needs of lower income neighborhoods. The CRA was built on the simple proposition that deposit-taking banking organizations have a special obligation to serve the credit needs of the communities in which they maintain branches. At the time of the CRA’s passage, banks and t...

Informal lending and savings institutions exist around the world, and often include regular door-to-door deposit collection of cash. Some banks have adopted similar services in order to expand access to banking services in areas that lack physical branches. Using a randomized control trial, we investigate determinants of participation in a deposit collection service and evaluate the impact of o...

This paper investigates the relation between national culture and bank deposits. Using annual data (1995–2015) for 99 banks that participated in 2014 stress tests of European Banking Authority, we document relations three cultural traits The effect hierarchy individualism on deposits is stronger (positive negative, respectively) domestic where more homogeneous compared to global banks. On oth...

This article aims at giving a contribution to the issue of protecting bank accounts and deposits by national deposit guarantee schemes through financial assistance interventions an optional voluntary nature, instead reimbursement only legally protected in case bankruptcy depository bank. Firstly, we investigate EU framework for crisis resolutions. Specifically, briefly analyze rules on both pre...

This study was geared towards assessing the influence of e-servicescape on customer patronage internet banking in deposit money banks. Its aim to examine influences website aesthetic appeal, usability, security and interactivity services. Cross-sectional survey research design adopted. The sampling technique adopted purposive sampling, which facilitated data collection from 228 bank customers w...

The decade of the 1980s has been a particularly turbulent one for the U.S. banking and financial system. Since the establishment of the Federal Deposit Insurance Corporation (FDIC) in 1933, more than 1,500 banks have been declared officially insolvent and were subsequently closed, acquired, or received assistance to prevent closure (see table 1). More than 800 of these closures took place durin...

Various proposals to enhance the safety and soundness of the banking system have been debated in recent years, and some of these proposals have been enacted into law. But the debate, and the legis!afive changes, have generally focused on limiting losses to the deposit insurance funds in order to protect taxpayers, rather than on the broader implications for the banking system and its role in fi...

This paper attempts to investigate the existence of Market Discipline in the Indian commercial banks over the period 2001-2008 i.e., 7 years. This period is characterized by second round of banking sector reform as suggested by Narsimham Committee for banking restructuring and market discipline. A total of 63 scheduled commercial banks were taken as the sample size which included 27 public sect...