@article{publication-24196,
	author={Keil, Jan and Ongena, Steven},
	doi={10.1016/j.jbankfin.2023.107038},
	issn={0378-4266},
	journal={Journal of Banking and Finance},
	pages={107038-107038},
	publisher={Elsevier},
	title={The demise of branch banking - Technology, consolidation, bank fragility},
	volume=158,
	year=2024,
}