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<p class="MsoNormal" align="center" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:center">
<a name="_Hlk69118321"></a><a name="_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><span lang="EN-US" style="font-size:18.0pt">The Institute for Analytical Sociology Seminar</span></span></a><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><span lang="EN-US" style="font-size:18.0pt;mso-fareast-language:SV"><o:p></o:p></span></span></span></p>
<p class="Pa8" align="center" style="margin-bottom:1.0pt;text-align:center"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><span class="A8"><span lang="EN-US" style="font-size:18.0pt;font-family:"Times New Roman",serif">Venue:
Online on Zoom </span></span></span></span><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><span class="A8"><span lang="EN-US" style="font-family:"Times New Roman",serif">(see Zoom link in the end of the email)</span></span></span></span><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><span class="A6"><span style="font-size:9.0pt;font-family:"Times New Roman",serif;color:windowtext"><o:p></o:p></span></span></span></span></p>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><span class="A6"><span lang="EN-US" style="font-size:18.0pt;font-family:"Times New Roman",serif;color:#1F497D"><o:p> </o:p></span></span></span></span></p>
<p class="Pa8" align="center" style="margin-bottom:1.0pt;text-align:center"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><span lang="EN-US" style="font-size:18.0pt;font-family:"Times New Roman",serif">Thursday, September
21 @ <b><u>14:30CET</u></b></span><u><o:p></o:p></u></span></span></p>
<p class="Pa8" align="center" style="margin-bottom:1.0pt;text-align:center"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><span lang="EN-US">__________________________________________________</span></span></span><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><span lang="EN-US" style="font-family:"Times New Roman",serif"><o:p></o:p></span></span></span></p>
<p class="MsoNormal" align="center" style="text-align:center"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><b><span lang="EN-US" style="font-size:18.0pt;mso-fareast-language:SV"><o:p> </o:p></span></b></span></span></p>
<p class="MsoNormal" align="center" style="text-align:center"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><b><span lang="EN-US" style="font-size:18.0pt;mso-fareast-language:SV"><o:p> </o:p></span></b></span></span></p>
<p class="MsoNormal" align="center" style="text-align:center"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><b><span lang="EN-US" style="font-size:18.0pt">Financial Institutions, Neighborhoods, and Racial Inequality<o:p></o:p></span></b></span></span></p>
<p class="MsoNormal" align="center" style="text-align:center"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><b><span lang="EN-US" style="font-size:18.0pt"><o:p> </o:p></span></b></span></span></p>
<p class="MsoNormal" align="center" style="text-align:center"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><i><span lang="EN-US" style="font-size:12.0pt;color:black;mso-fareast-language:SV">Mario Small<o:p></o:p></span></i></span></span></p>
<p class="MsoNormal" align="center" style="text-align:center"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><i><span lang="EN-US" style="font-size:12.0pt;color:black;mso-fareast-language:SV">Columbia University<o:p></o:p></span></i></span></span></p>
<p class="MsoNormal" align="center" style="text-align:center"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><i><span lang="EN-US" style="font-size:12.0pt;color:black;mso-fareast-language:SV"><o:p> </o:p></span></i></span></span></p>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><span lang="EN-US"><o:p> </o:p></span></span></span></p>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><span lang="EN-GB" style="font-size:12.0pt">Abstract:<o:p></o:p></span></span></span></p>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><span lang="EN-US" style="font-size:12.0pt">Research has made clear that racial inequality is affected by neighborhood conditions. One important condition
is <i>access</i> to financial establishments. We examine how living in minority neighborhoods affects ease of access to conventional banks vs. to alternative financial institutions (AFIs) such as check cashers and payday lenders, which are often more expensive
and have at times been called predatory. Based on more than 6 million queries, we compute the difference in the time required to walk, drive, or take public transit to the nearest bank vs. the nearest AFI from the middle of every block in each of 19 of the
nation's largest cities. Results suggest that race is strikingly more important than class, as the AFI is more often closer than the bank in well-off minority neighborhoods than in poor white ones. I present additional survey and interview results on the factors
underlying these differences.<o:p></o:p></span></span></span></p>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><span lang="EN-US"><o:p> </o:p></span></span></span></p>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><span lang="EN-US"><o:p> </o:p></span></span></span></p>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><span lang="EN-US">Topic: IAS Seminars<o:p></o:p></span></span></span></p>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><span lang="EN-US">Join Zoom Meeting<o:p></o:p></span></span></span></p>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"></span></span><a href="https://liu-se.zoom.us/j/65535789369"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><span lang="EN-US">https://liu-se.zoom.us/j/65535789369</span></span></span><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"></span></span></a><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><span lang="EN-US"><o:p></o:p></span></span></span></p>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk133579769"><span style="mso-bookmark:_Hlk69118321"><span lang="EN-US">Meeting ID: 655 3578 9369</span></span></span><span lang="EN-US"><o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="mso-ligatures:none;mso-fareast-language:SV">Best regards<br>
Madelene Töpfer<br>
</span><span lang="EN-US" style="mso-ligatures:none;mso-fareast-language:SV">Administrator<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="mso-ligatures:none;mso-fareast-language:SV"><img border="0" width="170" height="44" style="width:1.7708in;height:.4583in" id="_x0000_i1025" src="https://liu.se/mallar/signatur/liu_signatur_en.png" alt="Linköping University"></span><span style="mso-ligatures:none;mso-fareast-language:SV"><o:p></o:p></span></p>
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<p class="MsoNormal"><b><span lang="EN-US" style="font-size:10.0pt;font-family:"Arial",sans-serif;mso-ligatures:none;mso-fareast-language:SV">Institute for Analytical Sociology</span></b><span lang="EN-US" style="font-size:10.0pt;font-family:"Arial",sans-serif;mso-ligatures:none;mso-fareast-language:SV"><br>
S-601 74 Norrköping<br>
Phone: +46 (0)11-36 32 91<br>
Mobile: +46 (0)700 89 66 97<br>
Visiting address: </span><span lang="EN-US" style="mso-ligatures:none;mso-fareast-language:SV">Kopparhammaren 7, Kungsgatan 56D, Campus Norrköping</span><span lang="EN-US" style="font-size:10.0pt;font-family:"Arial",sans-serif;mso-ligatures:none;mso-fareast-language:SV">
<o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-size:10.0pt;font-family:"Arial",sans-serif;mso-ligatures:none;mso-fareast-language:SV">Please visit us at
</span><span style="mso-ligatures:none;mso-fareast-language:SV"><a href="https://liu.se/" title="liu.se"><span lang="EN-US" style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black;text-decoration:none">liu.se</span></a></span><span style="font-size:10.0pt;font-family:"Arial",sans-serif;mso-ligatures:none;mso-fareast-language:SV">
</span><span lang="EN-US" style="font-size:10.0pt;font-family:"Arial",sans-serif;mso-ligatures:none;mso-fareast-language:SV"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif;display:none;mso-ligatures:none;mso-fareast-language:SV"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><i><span lang="EN-US" style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#626262;mso-ligatures:none;mso-fareast-language:SV">E-mailing Linköping University will result
in Linköping University processing your personal data. Find more information on how this is done at
</span></i><span style="mso-ligatures:none;mso-fareast-language:SV"><a href="https://liu.se/en/article/integritetspolicy-liu"><i><span lang="EN-US" style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#626262">https://liu.se/en/article/integritetspolicy-liu</span></i></a></span><i><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#626262;mso-ligatures:none;mso-fareast-language:SV">
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<p class="MsoNormal" style="margin-bottom:12.0pt"><span lang="EN-US" style="mso-ligatures:none;mso-fareast-language:SV"><o:p> </o:p></span></p>
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