{"@context":"http://iiif.io/api/presentation/2/context.json","@type":"sc:Manifest","@id":"https://iiif.quartexcollections.com/wesleyan/iiif/4c1e88e6-2be8-41ef-9c3f-780ef73447b3/manifest","label":"b2024-ebihara","metadata":[{"label":"Title","value":"A banking renaissance: Digital bank runs and ex-post policy"},{"label":"Language","value":["English"]},{"label":"Repository","value":["University Archives"]},{"label":"Rights","value":["In Copyright"]},{"label":"Thesis Advisor(s)","value":["Izumi, Ryuichiro"]},{"label":"Held By","value":"Wesleyan University Library, Wesleyan University, Middletown, CT, USA"},{"label":"Genre","value":["theses"]},{"label":"Name(s)","value":["Ebihara, Jennie (creator)"]},{"label":"Administrative Note","value":"Drupal Node ID: 48572<br>author email: jebihara@wesleyan.edu<br>old filename: 1239_379399"},{"label":"Degree","value":["Bachelor of Arts with Departmental Honors"]},{"label":"Description","value":"<p>The banking turmoil in 2023 showed that not only are bank runs still relevant but have become extraordinarily fast due to the digitization of banking technology. While various ex-post policy responses such as lender of last resort, deposit insurances, and suspensions of convertibility exist to prevent bank runs, multiple medium sized banks, including Silicon Valley Bank (SVB), Signature Bank of New York, and First Republic Bank collapsed in 2023. To understand why the pre-existing policy responses were insufficient in preventing digital banking crises, I work upon the foundational Diamond and Dybvig model and contribute to Ennis and Keister's consideration of ex-post policy responses and create a model that better reflects the speediness of runs. Specifically, I create time intervals where an arbitrary number of depositors can withdraw deposits at the same time to model the uncertainty policymakers face when the speed of runs increase. Using this model, I analyze the policymakers' ex-post policy response whether to suspend or to not suspend deposits. My research finds that a banking authority has more incentive to delay policy responses when bank runs are speedier. This incentive stems from the authority's desire to reduce the cost of premature suspension and the uncertainty that comes with the following speed of runs. Anticipating this response from the banking authority, the depositor, consequentially, derives a larger incentive to run on the bank. Furthermore, my model draws a connection between the speed of runs and the rate of return on bank investments and finds that a lower rate of return has a higher impact on a bank's fragility when the bank run is speedier. Thus, as banks become digitized and bank runs faster, it is as important to be prudential in analyzing other macroeconomic factors like interest rate risk.</p>"},{"label":"Group","value":["Theses & Dissertations"]},{"label":"Digital Origin","value":["born digital"]},{"label":"Discipline","value":["College of Social Studies","Economics"]},{"label":"Date","value":"April 15, 2024"},{"label":"EDTF Date","value":"D:00 M:00 Y:2024"},{"label":"File Format","value":["application/pdf"]},{"label":"Digital Object Identifier (DOI)","value":"https://doi.org/10.14418/wes01.1.2896"},{"label":"Type","value":["Text"]}],"description":"A banking renaissance: Digital bank runs and ex-post 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