00000cam 2200000zi 4500 9.963931 CaOODSP 20260630135110 m o d f cr cn||||||||| 260630t20262026oncab ob f000 0 eng d CaOODSP eng rda CaOODSP n-cn--- FB3-5/2026-19E-PDF Xiao, Hongyu, author. Banking competition and access to cash and retail banking services in rural Canada / Hongyu Xiao, Robert Petrunia, Sarah Lucky. [Ottawa] : Bank of Canada = Banque du Canada, 2026. ©2026 1 online resource (62 pages) : colour illustrations, colour maps. text txt rdacontent computer c rdamedia online resource cr rdacarrier Staff working paper = Document de travail du personnel, 1701-9397 ; 2026-19 Incorrect ISSN (1701-9397) printed in this publication. "Last updated: June 11, 2026." Includes bibliographical references (pages 34-36). "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. Banks and banking Canada Econometric models. Competition Canada Econometric models. Services bancaires Canada Modèles économétriques. Compétitivité (Économie) Canada Modèles économétriques. Bank of Canada, issuing body. Staff working paper (Bank of Canada) 2026-19. (CaOODSP)9.806221 PDF 3.36 MB https://publications.gc.ca/collections/collection_2026/banque-bank-canada/FB3-5-2026-19-eng.pdf