D83 - Search; Learning; Information and Knowledge; Communication; Belief

• Merchant Access to Cash: Going the Extra Kilometer?

  Staff analytical paper 2026-41 Angelika Welte, Stephen Wild, Patrick Fogaing kouamo

  In this study, we measure SMBs’ access to cash using the driving distance to financial institution (FI) branches. First, we measure the distance between SMBs and the nearest FI branch. Second, we use a sample of 651 SMBs from the 2023 Merchant Acceptance Survey to examine SMBs’ banking choices.

  Content Type(s): Staff research, Staff analytical paper JEL Code(s): D, D8, D83, E, E4, E41 Research Theme(s): Money and payments, Cash and bank notes, Retail payments