- Banks' noninterest income and securities holdings in a low interest rate environment: The case of Italy
Molyneux, P., Reghezza, A., Torriero, C. & Williams, J., Jan 2021, In : European Financial Management. 27, 1, p. 98-119
- A machine learning approach to the digitalization of bank customers: evidence from random and causal forests
Carbo-Valverde, S., Cuadros Solas, P. & Rodríguez-Fernández, F., 28 Oct 2020, In : PLoS ONE. 15, 10, e0240362.
- A technical assessment of the potential for a local land value tax in Wales
ap Gwilym, R., Jones, E. & Rogers, H., 18 Mar 2020, 17/2020 ed. Caerdydd: Welsh Government.
- Brain substrates explain differences in the adoption and degree of financial digitalization
Carbo-Valverde, S., Lacomba-Arias, J. A., Lagos-Garcia, F., Rodríguez-Fernández, F. & Verdejo- Roman, J., 15 Oct 2020, In : Scientific Reports. 10, 1, :17512 .
Financial Services: Competition, Conduct, and Consumer Protection (CCC)
The Financial Services: Competition, Conduct, and Consumer Protection (CCC) research cluster draws upon Bangor’s established reputation in Banking and Finance research. In this group we consider several key issues in financial regulation:
- Why does the conduct of firms in the financial sector continue to court controversy?
- Is financial regulation and competition working in banking and financial markets?
- How is competition driving innovation in the sector? Do financial markets require intervention to facilitate or emulate effective competition, and to what extent?
- What is the future of banking?
- What is the role of corporate culture in banking and finance?
- How can we incentivise firms to act ‘fairly’? How does remuneration in the financial sector affect the decision making of managers and employees?
- Are financial markets working in the interests of consumers? Is ‘poor quality’ decision making being facilitated by firms?
The group aims to provide both credible and compelling academic output addressing these questions. Through such academic work we aim to make a significant contribution to the policy landscape.
- Competition and Strategy
- Conduct of business and prudential regulation
- Consumer Behaviour, Financial Exclusion, and Consumer Protection
- Price Discrimination.
- Efficiency and Productivity
If you would like more information about our current research projects or our cluster, please email Professor Jon Williams.