Die digitale Durchleuchtung und Bewertung des Verhaltens von Konsumenten und Bürgern nach einem Punktesystem (Scoring) ist in repressiven Staaten wie China schon weit gediehen. Aber auch in Deutschland werden mit diesem System Bürger als Verbraucher in der Finanzwirtschaft oder als Patienten...

Tests und Vergleiche von Gütern und Dienstleistungen sind mittlerweile weit verbreitet. Würde der einzelne Verbraucher den Vergleich selbst durchführen, wäre dies mit hohen Kosten verbunden, institutionelle Tests bieten demgegenüber eine gute Informationsmöglichkeit. Die...

In August 2007 the United Kingdom experienced its first bank run in over 140 years. Although Northern Rock was not a particularly large bank (it was at the time ranked 7th in terms of assets) it was nevertheless a significant retail bank and a substantial mortgage lender. In fact, ten years...

Assuming a risk-neutral bank and assuming household utility to be exponential, we show how under information symmetry the covariance of income and loan repayments may explain higher household borrowings than in the case without default option. Under ex post information asymmetry and positive...

Using a framework that distinguishes short-term consumer preferences, individual reflective preferences and political preferences, we discuss from a constitutional economics perspective whether individuals find it in their common constitutional interest to endow representatives and bureaucrats...

Moderne Marktordnungen schützen den Verbraucher vor Schäden und sichern den Leistungswettbewerb und die Funktionsfähigkeit von Märkten. Wettbewerbsorientierte Verbraucherpolitik und verbraucherorientierte Wettbewerbspolitik ergänzen sich dabei. Die Verhaltensökonomik zeigt allerdings, dass...

We study markets for sensitive personal information. An agent wants to communicate with another party but any revealed information can be intercepted and sold to a third party whose reaction harms the agent. The market for information induces an adverse sorting effect, allocating the information...

There is a need to identify household debt behaviour in different age cohorts even in countries without prominent household debt problems so that the measures for vulnerable groups can be made. Authors used multilevel mixed effect analysis to test the effect of age and other variables on demand...

Transports certainly have positive economic and social effects. However, transports in general, and motor transports in particular play a significant role in environmental pollution, with a negative impact on the quality of life. In this article, we make a diagnosis on the contribution of...

In the era of technological change, consumers face an environment increasingly complex, leading to significant challenges regarding buying and consuming choices and consumer protection. The most important and most influential technological changes in terms of the impact on the consumer, are...