Austro-Hungarian Empire, these Central European countries form a compact group with strong cultural and historical links, except for the fact that Austria does not share a communist history as a Soviet satellite like the other four do. As a result, there are important similarities in consumption habits and needs, 5 in views about the role of money, and in the ultimate behavior of bank clients in relation to banks. To summarize, the time span along with the differences in development help identify the effects of the variables in our model, and the similarities make it easier to compare fee levels across.
