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The Determinants of Net Interest Margin in the Turkish Banking Sector: Does Bank Ownership Matter? Central Bank Digital Currencies
Fatih Kansoy
https://arxiv.org/abs/2506.04384

The Determinants of Net Interest Margin in the Turkish Banking Sector: Does Bank Ownership Matter? Central Bank Digital Currencies
This research presented an empirical investigation of the determinants of the net interest margin in Turkish Banking sector with a particular emphasis on the bank ownership structure. This study employed a unique bank-level dataset covering Turkey`s commercial banking sector for the 2001-2012. Our main results are as follows. Operation diversity, credit risk and operating costs are important determinants of margin in Turkey. More efficient banks exhibit lower margin and also price stability con…

UK neobank Monzo reports FY 2025 revenue up 48% YoY to £1.2B, a £60.5M pre-tax profit, up from £13.9M in FY 2024, deposits up 48% YoY to £16.6B, and 12M users (Yadarisa Shabong/Reuters)
https://www.reuters.com/business/finance/b

This https://arxiv.org/abs/2505.20527 has been replaced.
initial toot: https://mastoxiv.page/@arXiv_eco…

Financial literacy, robo-advising, and the demand for human financial advice: Evidence from Italy
This paper investigates the impact of objective financial knowledge, confidence in one's financial skills, and digital financial literacy on individuals' decisions to seek financial advice from robo-advice platforms. Using microdata from the Bank of Italy's survey on adults' "Financial Literacy and Digital Financial Skills in Italy", we find that individuals with greater financial knowledge are less inclined to rely on online services for automated financial advice. On the contrary, confidence …

Financial literacy, robo-advising, and the demand for human financial advice: Evidence from Italy
David Aristei, Manuela Gallo
https://arxiv.org/abs/2505.20527

Financial literacy, robo-advising, and the demand for human financial advice: Evidence from Italy
This paper investigates the impact of objective financial knowledge, confidence in one's financial skills, and digital financial literacy on individuals' decisions to seek financial advice from robo-advice platforms. Using microdata from the Bank of Italy's survey on adults' "Financial Literacy and Digital Financial Skills in Italy", we find that individuals with greater financial knowledge are less inclined to rely on online services for automated financial advice. On the contrary, confidence …