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Factors influencing the regional location of banking infrastructure

Author

Listed:
  • Sara G. Castellanos

    (Investigadora, Dirección de Sistemas Operativos y de Pagos, Banco de México. México, D.F.)

  • Valeria C. Castellanos

    (Analista de sistemas de pagos, Dirección de Sistemas Operativos y de Pagos, Banco de México. México, D.F.)

  • B. Nelly Flores

    (Analista de sistemas de pagos, Dirección de Sistemas Operativos y de Pagos, Banco de México. México, D.F.)

Abstract

We describe the recent trends that characterize the location of bank branches, automated teller machines (ATM) and point of sales terminals (POS) in Mexico, and evaluate whether bank infrastructure has expanded to previously uncovered regions. Further, we analyze the relationship between infrastructure location and several economic and population characteristics of states and municipalities. Coverage is better in regions that are more populated and have higher levels of income, education and formal economic activity, especially among larger banks. We also find an inverse relationship between location of branches and location of pos, and the transportation cost to the closest municipality with a branch.

Suggested Citation

  • Sara G. Castellanos & Valeria C. Castellanos & B. Nelly Flores, 2009. "Factors influencing the regional location of banking infrastructure," Economía Mexicana NUEVA ÉPOCA, CIDE, División de Economía, vol. 0(2), pages 283-330, July-Dece.
    • Handle: RePEc:emc:ecomex:v:18:y:2009:i:2:p:283-330
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    More about this item

    Keywords

    branches; automated teller machines; point of sales terminals; banking infrastructure; financial services access.;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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