#2184. The value of in-person banking: evidence from U.S. small businesses

August 2026publication date
Proposal available till 30-05-2025
5 total number of authors per manuscript6020 $

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Journal’s subject area:
Economics, Econometrics and Finance (all);
Finance;
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Abstract:
We produce the first systematic study of the determinants and implications of in-person banking. Using survey data, we show that firms which are informationally opaque or operate in rural areas are liable to contact their primary bank in-person. This tendency extends to older, less educated, and female business owners. We find that a relationship based on face-to-face communication lasts 17.88 months longer, spans a wider range of financial services, and is more likely to be exclusive. The associated loans mature 3.37 months later and bear interest rates which are 11 basis points lower.
Keywords:
In-person communication; Relationship banking; Small business; Soft information

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