Using data on national Banks from the 1920s and 1930s, we show that branch banking increases competition and forces weak Banks to exit the banking system.

利用20世纪20年代及30年代国家银行数据，我们能证实开设分行业务加巨了竞争，迫使无竞力的银行退出银行业。

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Analyses using state-level data find that states allowing branch banking had lower failure rates, while those examining individual banks find that branch banks were more likely to fail.

运用国家一级的数据进行的分析发现，允许开设分行业务的国家的银行破产率较低，而那些研究个体银行的分析发现，分支银行破产可能性更大。

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IS the future of banking in the branch or in the ether?

建分行还是建网络，银行业的未来在哪？

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Banks can use big data to gain a 360-degree view of customers, even as they lose the personal interaction of branch banking.

FORBES: Big Data Provides a 360-Degree View of Customers

"New technology doesn't tend to substitute for branch banking but to complement it, " says Charles Calomiris, a professor at Columbia University's business school.

FORBES: Money & Investing

Wells Fargo and Wachovia have no meaningful branch overlaps, dominate separate areas of the U.S. in branch banking and have similar sales-oriented branch cultures.

FORBES: Magazine Article