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The banking sector has experienced drastic changes in the last few decades which were primarily driven by technological progress and bank consolidation. The consolidation has led to fewer branches and greater distance between banks and their borrowers. As a result, the availability of credit to small businesses decreased because banks could not assemble enough information over great distance to evaluate a borrower’s loan application.
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- Georg Aumüllner (Autor:in), 2017, Effects of technology progress on banking, München, GRIN Verlag, https://www.grin.com/document/389076
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