Score contribution per author:
α: calibrated so average coauthorship-adjusted count equals average raw count
This paper uses a randomized controlled trial to compare different banking delivery channels. Individuals living close to banking agents and branches of the same financial institution were encouraged to open a savings account and transact at either an agent or a branch. Compared with individuals sent to a branch, individuals sent to an agent increased their number of transactions at the agent and incurred lower transaction costs there. One year later, 42% of active users still used both channels but made transactions at the agent only half as large as those made at the branch.