Credit reporting systems are an important ingredient for financial markets. These systems are based upon the unique identification of borrowers, which is enabled if a compulsory national identification system exists in a country. We present evidence derived from difference-in-difference analyses...

Die Europäische Kommission unterstützt die Entwicklung und Nutzung von Datenschutz-Gütesiegeln. Diese sollen die Konformität von Produkten und Dienstleistungen mit Datenschutzregeln zertifizieren und Verbrauchern Produktauswahl und -vergleiche erleichtern. In Deutschland plant die...

The paper proposes the use of panel data unit-root tests to assess market-share instability in order to obtain indications of industry dynamics. The idea is to consider movements in market shares as much more than mere elements of the market structure. In fact, these movements reflect conduct...

This article investigates the effects of different job categories on households' likelihood of experiencing financial distress. Given imperfect financial markets and the absence of unemployment subsidies, households with less secure jobs are likely to experience drops in income more frequently...

This article investigates the determinants of reciprocity towards the experimenters in the lab under a flat-wage scheme. We find that personality attributes - such as agreeableness - help predict the behaviour of the subjects. We additionally propose and assess a general measure of reciprocity.