The rapid digitalization of financial services in the European Union (EU) has not only enhanced convenience and inclusion but also increased exposure to sophisticated online financial fraud. Digital financial literacy (DFL) is widely promoted as a key tool for empowering consumers and reducing...

We investigate how the use of bankruptcy as an implicit health insurance varies across households, focusing on heterogeneity by asset holdings, race, marital status, and educational attainment. Using a difference-in-differences design based on the 2005 bankruptcy reform, we find that the reform...

Am 14. Juni 2014 trat die Verbraucherrechterichtlinie (RL 2011/83/EU)1 in Kraft, die mit dem Ziel einer Angleichung der Rechtsvorschriften in Europa im Sinne einer Vollharmonisierung und damit des Abbaus von Hindernissen für den grenzüberschreitenden Verkehr auf Unionsebene eine hohe...