【摘要】Although Internet banking is now able to perform many of the functions associated with physical bank branches; these locations still play important roleswithin their neighborhoods. This is particularly true for low-income; inner-city areas; which often have relatively few traditional banks. This study compares the cases of Milwaukee and Buffalo; both northern “Rust Belt” cities that have experienced manufacturing and population decline. Using bothGIS and statistical analysis at the block group level;we confirm the presence of inner-city “cold spots” in both cities using statistical measures.We also find that both bank density and distance are significantly correlatedwith income and other demographic and economic variables. Statistical tests show that banking “deserts” are poorer and less white than other block groups. Regressionanalysis shows that for Buffalo; but not Milwaukee; the number of banks in an area is significantly related to income; distance from the CBD; and population density; thevacancy rate is significant while racial makeup is not.

【文献来源】Hegerty S W.Annals of regional Science.2016(1)