Beck, Demirguc-Kunt and Peria (2007) consider access to and use of banking services across 99 countries. Which of the following is NOT suggested by the article?

Select one:

a.

The number of branches per capita measures access to banking services.

b.

The more developed the physical infrastructure, the higher the access to banking services.

c.

Government ownership of banks and use of banking services are positively associated.

d.

When the institutional environment is of higher quality, banking services are more widely used.

e.

The relation between credit information sharing and use of banking services is positive.