Search Results - subject_exact:"Credit card"

Costs of means of payment for consumers : literature review and some sensitivity analyses

Krüger, Malte; Seitz, Franz - 2025

Payment costs for consumers are difficult to determine, are not recorded in an internationally harmonized manner and vary significantly from country to country. They are incurred in many forms, for example as fees for account management, for cash withdrawals at ATMs or for payment cards; but...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015334418

Credit card fraud detection and risk management strategies : a deep learning-based approach for EU banks

Zouaoui, Habib; Naas, Meryem-Nadjat - 2025

This study explores supervised ML-DL based approaches for enhancing credit card fraud detection and improving financial risk management systems for EU banks. This research proposes an ensemble method based on majority voting (Hard Voting Classifier) of deep learning models to detect fraud...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015559986

Personal bankruptcy protection and household debt

Severino, Felipe; Brown, Meta; Chakrabarti, Rajashri - 2024

Increasing personal bankruptcy protection raises consumers' desire to borrow and lenders' cost of extending credit; the impact on equilibrium borrowing is ambiguous. Using bankruptcy protection changes between 1999 and 2005 across U.S. states, we find that borrowers respond to greater protection...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014519066

Climate risk, insurance premiums, and the effects on mortgage and credit outcomes

Ge, Shan; Johnson, Stephanie; Tzur-Ilan, Nitzan - 2024 - This draft: January 1, 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015207186

Explaining contract heterogeneity in the credit card market

Chatterjee, Satyajit; Eyigungor, Burcu - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015609891

Merchant steering of consumer payment choice

Greene, Claire; Shy, Oz; Stavins, Joanna - 2026

This paper investigates the degree to which merchants influence consumers' choice of how they pay for transactions. Using data from the Survey and Diary of Consumer Payments Choice, we examine consumers' adherence to their preferred payment method when making in-person transactions. We also...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015604580

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Merchant steering of consumer payment choice

Greene, Claire; Shy, Oz; Stavins, Joanna - 2026 - This version: January 2026

Edition: This version: January 2026

Book / Working Paper

Adaptive credit card fraud detection : reinforcement learning agents vs. anomaly detection techniques

Mekhlouf, Houda Ben; Moussaid, Abdellatif; Ghanimi, Fadoua - 2026

Credit card fraud detection remains a critical challenge for financial institutions, particularly due to extreme class imbalance and the continuously evolving nature of fraudulent behavior. This study investigates two complementary approaches: anomaly detection based on multivariate normal...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628709

Cybercrime and socioeconomic realities : perpetrators’ perspectives from Ghana

Barnor, Jonathan Nii; Ansong, Eric; Boateng, Sheena Lovia - 2026

This study, grounded in Rational Choice Theory, explores the strategies and decision-making processes of online romance fraud perpetrators in Ghana. Using a qualitative approach, thirteen individuals involved in such fraud were interviewed through purposive and snowball sampling. Data were...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015643957

Who pays for payments?

Egan, Mark L.; Matvos, Gregor; Seru, Amit; Wang, Lulu; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015635302

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Who Pays for Payments?

Egan, Mark L.; Matvos, Gregor; Seru, Amit; Wang, Lulu; … - 2026

Book / Working Paper

Who Pays for Payments?

Egan, Mark L.; Matvos, Gregor; Seru, Amit; Wang, Lulu; … - 2026

Book / Working Paper

Interchange fees in payment networks : implications for prices, profits, and welfare

Hunt, Robert M.; Serfes, Konstantinos; Zhang, Yin - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015650620

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Interchange fees in payment networks : implications for prices, profits, and welfare

Hunt, Robert M.; Serfes, Konstantinos; Zhang, Yin - 2025

Book / Working Paper

Locked out by loyalty : entry deterrence through rebates in payment card markets

Lubbersen, Vera - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015666906

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Locked out by loyalty : entry deterrence through rebates in payment card markets

Lubbersen, Vera - 2026

Book / Working Paper

Antecedents of credit card usage behaviour : an Indian perspective

Sriram K. V.; Singh, Riddhima; Vibha; Kamath, Giridhar B. - 2023

The use of credit cards is closely connected to how well someone is doing financially. It has been associated with behaviors like excessive shopping and materialism. In India, there has been a recent increase in the number of credit cards issued. This research aims to study how Indian consumers...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014501142

White paper : quantum resilient upgrade for ASCON (and AES) with novel RDH wrapper designed for FinTech and IoT

Wanless, Chad; Palachik, Dave - 2023

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015329920

The rise of e-commerce and the local wage structure : evidence from the korean retail industry

Shin, Donghan; Chun, Hyunbae - 2023

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015404364

Costs of means of payment for consumers: Literature review and some sensitivity analyses

Krüger, Malte; Seitz, Franz - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015338515

Integrating credit and debit data for enhanced insights into borrowing behavior and predictive modeling of credit card delinquency

Huse, Håvard; Haugland, Sven A.; Hunneman, Auke - 2025

This research delves into the predictive modeling of credit card delinquency by harnessing both credit and debit data, offering a nuanced perspective on consumer financial behavior. The study introduces a novel hierarchical Bayesian regression model that significantly surpasses traditional...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015654812

The economics of destination cards

Messori, Sonia; Fedele, Alessandro; Figini, Paolo - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015372939

Credit card entrepreneurs

Akcigit, Ufuk; Chhina, Raman; Cilasun, Seyit; Miranda, … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015408851

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Credit card entrepreneurs

Akcigit, Ufuk; Chhina, Raman; Cilasun, Seyit Mümin; … - 2025

Book / Working Paper

Credit card entrepreneurs

Akcigit, Ufuk; Chhina, Raman; Cilasun, Seyit Mümin; … - 2025

Book / Working Paper

Credit Card Entrepreneurs

Akcigit, Ufuk; Chhina, Raman; Cilasun, Seyit Mümin; … - 2025

Book / Working Paper

Financial literacy and credit card payoff behaviors : using generalized ordered logit and partial proportional odds models to measure American credit card holders' likelihood of repaying their credit cards

Giannikos, Christos; Korkou, Efstathia D. - 2025

According to the Federal Reserve of the United States, in the second quarter of 2024, American credit card debt reached USD 1.14 trillion, the highest balance ever recorded. In an age of high-interest, complex credit cards, how does financial literacy affect credit card debt repayment? Also, how...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015338340

Debit card interchange fees charged to small merchants after Regulation II

Hayashi, Fumiko - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015394619

Causal effect from state welfare card on poverty in Thailand

Weerawat Phattarasukkumjorn; Petnaree Suwanmanee - 2025

This study aims to explore whether there is evidence supporting that the State Welfare Card causes the reduction of the poverty rate in Thailand. With data limitations, we rely on the 2019 household socio-economic survey to compare the consumption expenditure of those who received the card...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015464146

Financial fraud through the lens of extended fraud alerts

Blascak, Nathan; Cheney, Julia; Hunt, Robert M.; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015467991

Automated credit limit increases and consumer welfare

Bord, Vitaly M.; Kovacs, Agnes; Moran, Patrick - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015471528

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Automated credit limit increases and consumer welfare

Bord, Vitaly; Kovacs, Agnes; Moran, Patrick - 2025

Book / Working Paper

How did consumers change their grocery spending in response to changes in Supplemental Nutrition Assistance Program benefit generosity?

Martinchek, Kassandra; Hernandez-Lepe, Fernando; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015454696

CardSim : a Bayesian simulator for payment card fraud detection research

Allen, Jeffrey S. - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015406666

The IZA/Fable Swipe consumption index

Askitas, Nikos; Bindra Martinez, Anoop; Cereda, Fabio - 2025

This paper introduces a novel monthly consumption indicator: the IZA/Fable Swipe consumption index for Germany. It is based on credit card transactions data collected and anonymised by Fable Data from 2017 onwards. We study some of the properties of the data and use a so-called "one year look...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015432091

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The IZA/Fable Swipe Consumption Index

Askitas, Nikos; Bindra Martinez, Anoop; Cereda, Fabio - 2024

Book / Working Paper

The IZA/Fable swipe consumption index

Askitas, Nikos; Martinez, Anoop Bindra; Cereda, Fabio - 2024

Book / Working Paper

The effect of personal credit card limits on card use : micro data evidence from an emerging market

Çolak, Mehmet Selman; Kılıç, Yavuz; Yıldırım, Yusuf - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015436749

Carrot and stick : impact of regulations, subsidies, and obligations on the development of cashless payments in poland

Polasik, Michal; Kotkowski, Radoslaw; Manikowski, Arkadiusz - 2025

Between 2012 and 2024, Poland-once a laggard in cashless payments among EU countries-underwent a profound transformation. The per capita number of cashless transactions at physical points of sale increased more than eightfold, rising from approximately 30 to over 250 per year, surpassing the EU...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015458695

Applying principle-based guidelines to a complex transaction : exploring management judgement and decision-making

Brink, Sophia; Steenkamp, Gretha; Odendaal, Aletta - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015460093

European student card : technical specifications

2025

This document is part of a set of guidance and specification materials that have been developed to support card issuers in the implementation of the ESC. More information on the guidance materials can be found in Annex I: Other documents of interest. To support technical administrators in...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015430987

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European student card : technical specifications

2025

Book / Working Paper

European student card : technical specifications

2024

Book / Working Paper

European student card : technical specifications

2024

Book / Working Paper

SHAP stability in credit risk management : a case study in credit card default model

Lin, Luyun; Wang, Yiqing - 2025

The rapid growth of the consumer credit card market has introduced substantial regulatory and risk management challenges. To address these challenges, financial institutions increasingly adopt advanced machine learning models to improve default prediction and portfolio monitoring. However, the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015561524

JUE insight : measuring local consumption with payment cards and cell phone pings

Klopack, Ben; Luco, Fernando - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015561594

The credit card spending channel of monetary policy : micro evidence from account-level data

Bräuning, Falk; Stavins, Joanna - 2025 - This version: September 2025

Monetary policy impacts consumer spending via the effect of interest rate changes on credit card borrowing. Using supervisory account-level spending and balance data, we estimate that a 1 percentage point increase in the interest rate reduces credit card spending by nearly 9 percent and...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015506459

Nonseparability of credit card services within Divisia monetary aggregates

Barnett, William A.; Park, Hyun - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015610145

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Nonseparability of credit card services within divisia monetary aggregates

Barnett, William A.; Park, Hyun - 2024

Book / Working Paper

Étudier les achats des résidents frontaliers dans les pays voisins à l'aide des données bancaires

Ast, Dorothée; Bichler, Guillaume - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015550388

A novel federated transfer learning framework for credit card fraud detection under heterogeneous data conditions

Chen, Yutong; Zhang, Kai; Zhu, Hangyu; Qiu, Zihao - 2025

The exponential growth of e-commerce and advancements in financial technology have escalated credit card fraud into a major threat, resulting in billions of dollars in global losses annually. This necessitates the development of sophisticated fraud detection systems capable of real-time anomaly...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015556389

Data analytics to prevent retail credit card fraud : empirical evidence from Latin America

Rugeles Diaz, Leidy Tatiana; Echarte Fernández, Miguel … - 2025

Reducing the risk of fraud in credit card transactions is crucial for the competitiveness of companies, especially in Latin American countries. This study aims to establish measures for preventing and detecting fraud in the use of credit cards in shops through analytical methods (data mining,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015557725

Private information and price regulation in the US credit card market

Nelson, Scott - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015475293

Kisan credit card and smallholder farmers' economic performance in Eastern India : a panel data analysis

Sharma, Kriti; Kumar, Anjani; Agrawal, Rakesh Chandra - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015476792

Pricing in fast payments : a practical and theoretical overview

Aurazo, Jose; Banka, Holti; Galicia, Guillermo; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015476841

Price regulation in two-sided markets : empirical evidence from debit cards

Mukharlyamov, Vladimir; Sarin, Natasha - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015573255

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

Malone, Trey; Thomsen, Amanda - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015399135

The unprecedented fall in U.S. revolving credit

Raveendranathan, Gajendran; Stefanidis, Georgios - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015399139

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The unprecedented fall in U.S. revolving credit

Raveendranathan, Gajendran; Stefanidis, Georgios - 2020

Book / Working Paper

Default effects of credit card minimum payments

Sakaguchi, Hiroaki; Stewart, Neil; Gathergood, John; … - 2022

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013389210

Systemic acquired critique of credit card deception exposure through machine learning

Dantas, Rui Miguel; Firdaus, Raheela; Jaleel, Farrokh; … - 2022

A wide range of recent studies are focusing on current issues of financial fraud, especially concerning cybercrimes. The reason behind this is even with improved security, a great amount of money loss occurs every year due to credit card fraud. In recent days, ATM fraud has decreased, while...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013413156

Personal bankruptcy protection and household debt

Severino, Felipe; Brown, Meta; Chakrabarti, Rajashri - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014581790

Riding the wave of change : buy now, pay later as a disruptive threat to payment cards in the global market

Filotto, Umberto; Salerno, Dario; Sampagnaro, Gabriele; … - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015064176

Consumer payment behavior by income and demographics

Greene, Claire; Perry, Julian; Stavins, Joanna - 2024 - This version: July 2024

Despite the introduction of an array of innovations and new payment options for consumers over the last decade, income and demographics remain significant predictors of payment behavior. Using data from a 2023 consumer payments diary, we find that income, age, and education are significant...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014636907

The financial consequences of undiagnosed memory disorders

Gresenz, Carole Roan; Mitchell, Jean M.; Rodriguez, Belicia - 2024

We examine the effect of undiagnosed memory disorders on credit outcomes using nationally representative credit reporting data merged with Medicare data. Years prior to eventual diagnosis, average credit scores begin to weaken and payment delinquency begins to increase, overall and for mortgage...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014551976

Credit card minimum payment restrictions

Allen, Jason; Boutros, Michael; Guttman-Kenney, Benedict - 2024 - Last updated: July 15, 2024

We study a government policy that restricts repayment choices with the aim of reducing credit card debt. The policy requires the minimum payment on credit card balances in Quebec to be at least 2% of the statement balance for cards opened before August 2019 and at least 5% for cards opened after...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015067099