{"title":"银行分行/自动柜员机合并对现金需求的影响:来自日本银行账户交易数据的证据","authors":"Kozo Ueda","doi":"10.1016/j.jjie.2024.101305","DOIUrl":null,"url":null,"abstract":"<div><p>This study considers the retrogression event of convenience for bank users as a natural experiment and analyzes the effect of this event on cash demand. Using bank account transaction data, we find that branch/ATM consolidations reduce the amount of cash withdrawals by past users considerably. Particularly, older or less wealthy users were severely affected by the discontinuation of branches. However, we find that branch/ATM consolidations reduce the total expenditure and inflows that include non-cash transactions almost by the same amount, which implies that the retrogression in convenience possibly caused users to shift to other banks for their daily payments. We also document facts about cash withdrawals from ATMs using bank account transaction data.</p></div>","PeriodicalId":47082,"journal":{"name":"Journal of the Japanese and International Economies","volume":"71 ","pages":"Article 101305"},"PeriodicalIF":2.6000,"publicationDate":"2024-01-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Effects of bank branch/ATM consolidations on cash demand: Evidence from bank account transaction data in Japan\",\"authors\":\"Kozo Ueda\",\"doi\":\"10.1016/j.jjie.2024.101305\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"<div><p>This study considers the retrogression event of convenience for bank users as a natural experiment and analyzes the effect of this event on cash demand. Using bank account transaction data, we find that branch/ATM consolidations reduce the amount of cash withdrawals by past users considerably. Particularly, older or less wealthy users were severely affected by the discontinuation of branches. However, we find that branch/ATM consolidations reduce the total expenditure and inflows that include non-cash transactions almost by the same amount, which implies that the retrogression in convenience possibly caused users to shift to other banks for their daily payments. We also document facts about cash withdrawals from ATMs using bank account transaction data.</p></div>\",\"PeriodicalId\":47082,\"journal\":{\"name\":\"Journal of the Japanese and International Economies\",\"volume\":\"71 \",\"pages\":\"Article 101305\"},\"PeriodicalIF\":2.6000,\"publicationDate\":\"2024-01-10\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Journal of the Japanese and International Economies\",\"FirstCategoryId\":\"96\",\"ListUrlMain\":\"https://www.sciencedirect.com/science/article/pii/S0889158324000017\",\"RegionNum\":3,\"RegionCategory\":\"经济学\",\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q1\",\"JCRName\":\"ECONOMICS\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of the Japanese and International Economies","FirstCategoryId":"96","ListUrlMain":"https://www.sciencedirect.com/science/article/pii/S0889158324000017","RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q1","JCRName":"ECONOMICS","Score":null,"Total":0}
Effects of bank branch/ATM consolidations on cash demand: Evidence from bank account transaction data in Japan
This study considers the retrogression event of convenience for bank users as a natural experiment and analyzes the effect of this event on cash demand. Using bank account transaction data, we find that branch/ATM consolidations reduce the amount of cash withdrawals by past users considerably. Particularly, older or less wealthy users were severely affected by the discontinuation of branches. However, we find that branch/ATM consolidations reduce the total expenditure and inflows that include non-cash transactions almost by the same amount, which implies that the retrogression in convenience possibly caused users to shift to other banks for their daily payments. We also document facts about cash withdrawals from ATMs using bank account transaction data.
期刊介绍:
The Journal of the Japanese and International Economies publishes original reports of research devoted to academic analyses of the Japanese economy and its interdependence on other national economies. The Journal also features articles that present related theoretical, empirical, and comparative analyses with their policy implications. Book reviews are also published.