fully attend to consumption in all periods but fail to attend to some future lumpy expenditure opportunities. This asymmetry … expenditure. We find support for these predictions in three field experiments that randomly assign reminders to new savings …

withdrawals quadrupled in response to a policy uncertainty shock that doubled the short-run credit default swap (CDS) price of …

Despite the promise of FinTech lending to expand access to credit to populations without a formal credit history …, FinTech lenders primarily lend to applicants with a formal credit history and rely on conventional credit bureau scores as an … transactions through a delivery app are effective at predicting creditworthiness for borrowers with no credit history. We also show …

Not all firms have equal capacity to absorb productive credit. Identifying those with higher potential may have large …

Collateral requirements play an important role in credit markets. This paper shows that the endowment effect …

We conduct a clustered randomized controlled trial across 180 villages in Uttar Pradesh, India, to promote the take …-up of a savings commitment product newly introduced to our study population. A random subset of participants was targeted …

had a persistent 2-3 year impact on the flow of deposits and stock of savings, and increased the present value of branch …

factors such as the unavailability of consumer credit, the unavailability of social safety nets, high rates of economic …

We analyze the saving motives of European households using micro-data from the Household Finance and Consumption Survey …

India's 2016 currency demonetization, a sudden and unexpected policy announcement by the government that large …