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008260630t20262026oncab   ob   f000 0 eng d
040 |aCaOODSP|beng|erda|cCaOODSP
043 |an-cn---
0861 |aFB3-5/2026-19E-PDF
1001 |aXiao, Hongyu, |eauthor.
24510|aBanking competition and access to cash and retail banking services in rural Canada / |cHongyu Xiao, Robert Petrunia, Sarah Lucky.
264 1|a[Ottawa] : |bBank of Canada = Banque du Canada, |c2026.
264 4|c©2026
300 |a1 online resource (62 pages) : |bcolour illustrations, colour maps.
336 |atext|btxt|2rdacontent
337 |acomputer|bc|2rdamedia
338 |aonline resource|bcr|2rdacarrier
4901 |aStaff working paper = Document de travail du personnel, |y1701-9397 ; |v2026-19
500 |aIncorrect ISSN (1701-9397) printed in this publication.
500 |a"Last updated: June 11, 2026."
504 |aIncludes bibliographical references (pages 34-36).
5203 |a"We study the accessibility and competitive structure of Canadian retail banking and cash services in rural, localized markets using the Bresnahan-Reiss entry threshold framework. We estimate population thresholds required to support a given number of establishments in two segments of the financial industry: retail banking services (financial institution branches) and cash services (branches and ATMs). The first retail banking services branch requires about 500 residents in an average market, whereas the first cash services location requires about 80 residents. Our estimates indicate that retail banking-services markets become effectively competitive once three branches are present, whereas additional cash-service locations may be spatially differentiated for price-insensitive consumers. We also find meaningful regional heterogeneity: public banking is associated with greater access to retail banking services, while stricter regulatory requirements are associated with reduced access to cash services"--Abstract.
650 0|aBanks and banking|zCanada|xEconometric models.
650 0|aCompetition|zCanada|xEconometric models.
650 6|aServices bancaires|zCanada|xModèles économétriques.
650 6|aCompétitivité (Économie)|zCanada|xModèles économétriques.
7102 |aBank of Canada, |eissuing body.
830#0|aStaff working paper (Bank of Canada)|v2026-19.|w(CaOODSP)9.806221
85640|qPDF|s3.36 MB|uhttps://publications.gc.ca/collections/collection_2026/banque-bank-canada/FB3-5-2026-19-eng.pdf