Essays in banking and household finance

Maaike Diepstraten

Research output: ThesisDoctoral ThesisScientific

421 Downloads (Pure)

Abstract


The thesis consists of four chapters in banking and household finance. The first chapter examines the joint impact of bank size and scope on banks’ exposure to systemic risk. It shows that the dark side of diversification dominates for small banks, whereas the bright side effects of diversification and innovation dominate for medium and large banks. The second chapter provides insight in consumer bank switching behaviour. It outlines the most important factors in explaining variation in switching propensities for switching with the main savings account, current account and mortgage loan. Besides, it documents barriers that withhold people from switching and sheds light on (hypothetical) policy initiatives to facilitate switching. The third chapter studies bank switching behaviour after government interventions. Although aggregate switching behaviour did not change after the troubles and bail-outs, there is heterogeneity in customer responses. Customers with low levels of trust in the government are more likely to switch away after a nationalisation. Moreover, risk-averse current account holders are more likely to leave the nationalised bank. The last chapter is on savings behaviour. It shows that the socio-economic dimension, parental teaching, household administration skills, personality factors and the social circle are all related to savings. The socio-economic dimension and the social circle are most important in explaining variation in savings behaviour, irrespective of how savings behaviour is measured.
Original languageEnglish
QualificationDoctor of Philosophy
Awarding Institution
  • Tilburg University
Supervisors/Advisors
  • Driessen, Joost, Promotor
  • De Jonghe, Olivier, Co-promotor
Award date9 Feb 2018
Place of PublicationTilburg
Publisher
Print ISBNs978 90 5668 546 1
Publication statusPublished - 2018

Fingerprint

Household finance
Banking
Saving behavior
Switching behavior
Socio-economics
Current account
Diversification
Factors
Savings
Government intervention
Mortgage loan
Bailouts
Nationalization
Household
Side effects
Systemic risk
Bank size
Innovation
Government
Risk-averse

Cite this

Diepstraten, M. (2018). Essays in banking and household finance. Tilburg: CentER, Center for Economic Research.
Diepstraten, Maaike. / Essays in banking and household finance. Tilburg : CentER, Center for Economic Research, 2018. 188 p.
@phdthesis{a53b55572d80428d87fe0fee31e703ce,
title = "Essays in banking and household finance",
abstract = "The thesis consists of four chapters in banking and household finance. The first chapter examines the joint impact of bank size and scope on banks’ exposure to systemic risk. It shows that the dark side of diversification dominates for small banks, whereas the bright side effects of diversification and innovation dominate for medium and large banks. The second chapter provides insight in consumer bank switching behaviour. It outlines the most important factors in explaining variation in switching propensities for switching with the main savings account, current account and mortgage loan. Besides, it documents barriers that withhold people from switching and sheds light on (hypothetical) policy initiatives to facilitate switching. The third chapter studies bank switching behaviour after government interventions. Although aggregate switching behaviour did not change after the troubles and bail-outs, there is heterogeneity in customer responses. Customers with low levels of trust in the government are more likely to switch away after a nationalisation. Moreover, risk-averse current account holders are more likely to leave the nationalised bank. The last chapter is on savings behaviour. It shows that the socio-economic dimension, parental teaching, household administration skills, personality factors and the social circle are all related to savings. The socio-economic dimension and the social circle are most important in explaining variation in savings behaviour, irrespective of how savings behaviour is measured.",
author = "Maaike Diepstraten",
note = "CentER Dissertation Series Volume: 545",
year = "2018",
language = "English",
isbn = "978 90 5668 546 1",
series = "CentER Dissertation Series",
publisher = "CentER, Center for Economic Research",
school = "Tilburg University",

}

Diepstraten, M 2018, 'Essays in banking and household finance', Doctor of Philosophy, Tilburg University, Tilburg.

Essays in banking and household finance. / Diepstraten, Maaike.

Tilburg : CentER, Center for Economic Research, 2018. 188 p.

Research output: ThesisDoctoral ThesisScientific

TY - THES

T1 - Essays in banking and household finance

AU - Diepstraten, Maaike

N1 - CentER Dissertation Series Volume: 545

PY - 2018

Y1 - 2018

N2 - The thesis consists of four chapters in banking and household finance. The first chapter examines the joint impact of bank size and scope on banks’ exposure to systemic risk. It shows that the dark side of diversification dominates for small banks, whereas the bright side effects of diversification and innovation dominate for medium and large banks. The second chapter provides insight in consumer bank switching behaviour. It outlines the most important factors in explaining variation in switching propensities for switching with the main savings account, current account and mortgage loan. Besides, it documents barriers that withhold people from switching and sheds light on (hypothetical) policy initiatives to facilitate switching. The third chapter studies bank switching behaviour after government interventions. Although aggregate switching behaviour did not change after the troubles and bail-outs, there is heterogeneity in customer responses. Customers with low levels of trust in the government are more likely to switch away after a nationalisation. Moreover, risk-averse current account holders are more likely to leave the nationalised bank. The last chapter is on savings behaviour. It shows that the socio-economic dimension, parental teaching, household administration skills, personality factors and the social circle are all related to savings. The socio-economic dimension and the social circle are most important in explaining variation in savings behaviour, irrespective of how savings behaviour is measured.

AB - The thesis consists of four chapters in banking and household finance. The first chapter examines the joint impact of bank size and scope on banks’ exposure to systemic risk. It shows that the dark side of diversification dominates for small banks, whereas the bright side effects of diversification and innovation dominate for medium and large banks. The second chapter provides insight in consumer bank switching behaviour. It outlines the most important factors in explaining variation in switching propensities for switching with the main savings account, current account and mortgage loan. Besides, it documents barriers that withhold people from switching and sheds light on (hypothetical) policy initiatives to facilitate switching. The third chapter studies bank switching behaviour after government interventions. Although aggregate switching behaviour did not change after the troubles and bail-outs, there is heterogeneity in customer responses. Customers with low levels of trust in the government are more likely to switch away after a nationalisation. Moreover, risk-averse current account holders are more likely to leave the nationalised bank. The last chapter is on savings behaviour. It shows that the socio-economic dimension, parental teaching, household administration skills, personality factors and the social circle are all related to savings. The socio-economic dimension and the social circle are most important in explaining variation in savings behaviour, irrespective of how savings behaviour is measured.

M3 - Doctoral Thesis

SN - 978 90 5668 546 1

T3 - CentER Dissertation Series

PB - CentER, Center for Economic Research

CY - Tilburg

ER -

Diepstraten M. Essays in banking and household finance. Tilburg: CentER, Center for Economic Research, 2018. 188 p. (CentER Dissertation Series).