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Essay from the year 2017 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1.0, University of St Andrews, language: English, abstract: 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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