How does the digital revolution affect bank competition and financial stability? I use hand-
collected data and a novel identification strategy to show that after adopting digital platforms …

We document the emergence of two distinct types of banks over the past decade: high rate
banks, which align deposit rates with market interest rates, hold shorter-term assets, and …

We document the emergence of two distinct types of banks over the past decade: highrate
banks, which align deposit rates with market interest rates, hold shorter-term assets, and …

This dissertation studies how the digitalization of commercial banking affects bank
competition, financial stability, and monetary policy transmission. In the first chapter, The …