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Credit Card Interest Rates and Risk : New Evidence from US Survey Data

Liñares-Zegarra, José Manuel - 2013

-term risk. This effect is pronounced for sub-prime cardholders. This suggests that higher risk consumers shop around more … increase APRs to account for short-term risk. Credit card characteristics including network affiliation and issuer brand play … an important role in the pricing decisions of issuer banks …

Persistent link: https://www.econbiz.de/10013090283

The digital pivot : exploring credit card and E-payment utilization in direct-to-consumer U.S. agriculture

Malone, Trey; Thomsen, Amanda - In: Journal of small business strategy 35 (2025) 2, pp. 52-66

Persistent link: https://www.econbiz.de/10015399135

Changing US consumer payment habits during the COVID-19 crisis

Akana, Tom - In: Journal of payments strategy & systems 15 (2021) 3, pp. 234-243

Persistent link: https://www.econbiz.de/10012792634

The economics of two-sided payment card markets : pricing, adoption and usage

McAndrews, James Joseph (contributor); Wang, Zhu (contributor) - 2008

Persistent link: https://www.econbiz.de/10003788487

How and why do consumers choose their payment methods?

Schreft, Stacey L. (contributor) - 2006

Persistent link: https://www.econbiz.de/10003736181

Who gains and who loses from credit card payments? : theory and calibrations

Schuh, Scott; Shy, Oz; Stavins, Joanna - 2010

Merchant fees and reward programs generate an implicit monetary transfer to credit card users from non-card (or "cash") users because merchants generally do not set differential prices for card users to recoup the costs of fees and rewards. On average, each cash-using household pays $149 to...

Persistent link: https://www.econbiz.de/10008657939

Why use debit instead of credit? : consumer choice in a trillion-dollar market

Zinman, Jonathan (contributor) - 2004 - [Elektronische Ressource]

Debit cards are overtaking credit cards as the most prevalent form of electronic payment at the point of sale, yet the determinants of a ubiquitous consumer choice - "debit or credit?" - have received relatively little scrutiny. Several stylized facts suggest that debit-card use is driven by...

Persistent link: https://www.econbiz.de/10002521756

Income and the CARD Act's ability-to-pay rule in the US credit card market

Fulford, Scott L.; Stavins, Joanna - 2024 - This version: April 2024

In consumer credit, "ability-to-pay" (ATP) rules require lenders to consider whether the consumer can repay a loan without experiencing undue hardship. ATP rules have recently been implemented or considered in many countries and markets. Using a large panel of credit card accounts, we study the...

Persistent link: https://www.econbiz.de/10014529101

Small Business Use of Credit Cards in the U.S. Market

Herbst-Murphy, Susan - 2012

America's small businesses have adopted credit cards as both a payment method and a borrowing vehicle. The segment also uses other payment card products, including debit, charge, and prepaid cards. The dollar volume of spending with cards designed for small businesses increased by 230 percent...

Persistent link: https://www.econbiz.de/10013096559

Card-based payment systems in the United States and Japan

Mann, Ronald J. - 2001

Persistent link: https://www.econbiz.de/10001560580