We would like to express our thanks to the participants at the EAA 2024 Annual Congress in Rome and the CSEAR 2025 Annual Congress in St. Andrews for their helpful comments and feedback on previous versions of this paper. We particularly express our thanks to Angela Nativio, discussant of our paper at the EAA 2025 Annual Congress, for providing valuable feedback in early stages of this project. We thank Nadja Ley and Lukas Seidl for valuable research assistance. We would also like to express our special thanks to the bank employees who were willing to be interviewed for this research. This research did not receive any specific grant from funding agencies in the public, commercial, or not-for-profit sectors.
Hummel et al. (Thu,) studied this question.