Narrow search
Showing 1 - 10 of 2,167
Cover Image
Buy now pay (less) later : leveraging private BNPL data in consumer banking
Laudenbach, Christine; Molin, Elin; Roszbach, Kasper; … - 2025
history exhibit better repayment behavior and lower default rates, partly driven by improved loan terms. Fourth, learning e …
Persistent link: https://www.econbiz.de/10015271424
Cover Image
I Promise To Pay
Mitts, Joshua - 2018
Consumers are more likely to keep a repayment promise they make themselves. When a scheduling conflict prevents a …
Persistent link: https://www.econbiz.de/10012933616
Cover Image
Why are (some) consumers (finally) writing fewer checks? The role of payment characteristics
Schuh, Scott; Stavins, Joanna - 2009
Since the mid-1990s, the U.S. payment system has been undergoing a transformation featuring a significant decline in the use of paper checks that has been quite uneven across consumers and not well understood. This paper estimates econometric models of consumers' adoption (extensive margin) and...
Persistent link: https://www.econbiz.de/10010280943
Cover Image
Tax Differential and Cross-Border Shopping : Evidence from Singapore
Agarwal, Sumit; Chomsisengphet, Souphala; Qian, Wenlan; … - 2017
Higher sales tax in the home country relative to a neighboring country creates a huge incentive for consumers who live closer to the border to purchase goods across the border. Using a unique panel dataset of consumer financial transactions, we find that, when facing higher domestic sales tax,...
Persistent link: https://www.econbiz.de/10014158215
Cover Image
Soft Liquidity Constraints and Consumption : Evidence from Macro Prudential Policy in Turkey
Agarwal, Sumit - 2017
policy on consumption and debt repayment behavior. The complex policy imposes two types of soft liquidity constraints for … about 15% higher debt repayment ratio. The initial increase in credit card spending is due to intertemporal arbitrage … mandates, has the strongest effect in reducing credit card spending and promoting faster debt repayment. Policy announcement …
Persistent link: https://www.econbiz.de/10012972103
Cover Image
The Economic Importance of Neighbors : Evidence from Hyperlocal Social Influence Effects in Mortgage Markets
McCartney, W. Ben - 2019
We precisely geolocate more than one million mortgage choices and use a nearest-neighbor research design to find that households' refinance, lender, and loan type choices are all socially influenced by their hyperlocal neighbors. Consistent with a word-of-mouth mechanism, households moving to...
Persistent link: https://www.econbiz.de/10012902559
Cover Image
Effects of Credit Scores on Consumer Payment Choice
Hayashi, Fumiko - 2013
This paper investigates the effects of credit scores on consumer payment behavior, especially on debit and credit card use. Anecdotally, a negative relationship between debit card use and credit score has been reported; however, it is not clear whether that relationship is related to other...
Persistent link: https://www.econbiz.de/10013091144
Cover Image
Impact of Marketplace Lending on Consumers' Future Borrowing Capacities and Borrowing Outcomes
Chava, Sudheer; Ganduri, Rohan; Paradkar, Nikhil; … - 2021
Using comprehensive credit bureau data, we document that consumers who borrow from marketplace lending (MPL) platforms have lower credit scores and higher default rates in the long run relative to observably similar applicants for bank loans. This underperformance of MPL borrowers is more...
Persistent link: https://www.econbiz.de/10013244949
Cover Image
What triggers consumer adoption of CBDC?
Bijlsma, Michiel J.; Cruijsen, Carin van der; Jonker, Nicole - 2021
Central banks around the world are examining the possibility of introducing Central Bank Digital Currency (CBDC). The public’s preferences concerning the usage of CBDC for paying and saving are important determinants of the success of CBDC. Using data from a representative panel of Dutch...
Persistent link: https://www.econbiz.de/10013230323
Cover Image
Effects of credit scores on consumer payment choice
Hayashi, Fumiko; Stavins, Joanna - 2012 - This version: February 3, 2012
This paper investigates the effects of credit scores on consumer payment behavior, especially on debit and credit card use. Anecdotally, a negative relationship between debit card use and credit score has been reported; however, it is not clear whether that relationship is related to other...
Persistent link: https://www.econbiz.de/10009488901