Inside the Mind of
Yang Yu Gloria
Yang Yu Gloria serves as Assistant Professor in Finance in the Lee Kong Chian School of Business in Singapore Management University. Her research focuses on Empirical Research in Corporate Finance, Banking, Cryptocurrency and Blockchain, International Finance and Financial Intermediation and FinTech and Financial Intermediaries.
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It is often thought that technology shall increase bank competition and reduce unbanked rates. However, we highlight that its impact can vary in the presence of a “digital divide”—not everyone has the skill and device to embrace new technology.