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Persistent link: https://www.econbiz.de/10001511087
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
We estimate a two-stage Heckman selection model of credit card adoption and use with a unique dataset that combines administrative data from the Equifax credit bureau and self-reported data from the Survey of Consumer Payment Choice, a representative survey of US consumers. Even though the...
Persistent link: https://www.econbiz.de/10012897498
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
Persistent link: https://www.econbiz.de/10009759323
Persistent link: https://www.econbiz.de/10010366924
Persistent link: https://www.econbiz.de/10009531016
This paper develops a model of settlement system to study the endogenous structure of settlement networks, and the welfare consequences of clearing agent failure. The equilibrium degree of tiering is endogenously determined by the cost structure and the information structure. The degree of...
Persistent link: https://www.econbiz.de/10003711684