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Year of publication
Subject
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Kreditkarte 1,538 Credit card 1,504 USA 555 United States 549 Konsumentenverhalten 459 Consumer behaviour 458 Theorie 328 Theory 328 Zahlungsverkehr 277 Payment system 274 Consumer credit 228 Verbraucherkredit 227 Bargeldloser Zahlungsverkehr 201 Noncash payments 201 Private Verschuldung 188 Private debt 188 Electronic money 172 Elektronisches Geld 172 Chipkarte 146 Smart card 146 Bank charge 125 Bankentgelt 125 Credit risk 76 Kreditrisiko 76 Credit rating 67 Kreditwürdigkeit 67 Insolvency 64 Insolvenz 64 Regulation 63 Regulierung 63 EU countries 61 EU-Staaten 61 Interest rate 60 Zins 60 Cash 58 Kreditkartengesellschaft 54 Credit card industry 53 Bank 50 Bargeld 50 Private consumption 45
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Online availability
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Free 629 Undetermined 235
Type of publication
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Book / Working Paper 800 Article 766 Journal 15 Other 1
Type of publication (narrower categories)
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Article in journal 679 Aufsatz in Zeitschrift 679 Graue Literatur 367 Non-commercial literature 367 Working Paper 330 Arbeitspapier 325 Aufsatz im Buch 60 Book section 60 Hochschulschrift 29 Thesis 24 Collection of articles written by one author 11 Conference paper 11 Konferenzbeitrag 11 Sammlung 11 Amtsdruckschrift 9 Government document 9 Collection of articles of several authors 6 Interview 6 Sammelwerk 6 Bibliografie enthalten 5 Bibliography included 5 Case study 5 Fallstudie 5 Commentary 3 Dissertation u.a. Prüfungsschriften 3 Kommentar 3 Market information 3 Marktinformation 3 Monografische Reihe 3 Aufsatzsammlung 2 Bericht 2 Bibliografie 2 Mehrbändiges Werk 2 Multi-volume publication 2 Statistik 2 Amtliche Publikation 1 Annual report 1 Article 1 Company information 1 Conference proceedings 1
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Language
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English 1,441 German 73 Undetermined 35 Spanish 11 Polish 5 French 4 Hungarian 4 Russian 3 Dutch 2 Norwegian 2 Danish 1 Croatian 1 Portuguese 1 Serbian 1 Swedish 1 Turkish 1
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Author
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Agarwal, Sumit 47 Stavins, Joanna 27 Souleles, Nicholas S. 25 Chomsisengphet, Souphala 24 Bolt, Wilko 20 Jonker, Nicole 20 Kanz, Martin 20 Mester, Loretta J. 18 Shy, Oz 17 Bursztyn, Leonardo 16 Fiorin, Stefano 16 Liu, Chunlin 16 Evans, David S. 15 Hayashi, Fumiko 15 Mahoney, Neale 14 Stroebel, Johannes 13 Keys, Benjamin J. 12 Kosse, Anneke 12 Rochet, Jean-Charles 11 Schmalensee, Richard 11 Stewart, Neil 11 Stix, Helmut 11 Tirole, Jean 11 Wang, Zhu 11 Ardizzi, Guerino 10 Kerr, Sougata 10 Scholnick, Barry 10 Seira, Enrique 10 Stango, Victor 10 Bruggink, Diederik 9 Chakravorti, Sujit 9 Dunn, Lucia F. 9 Gottlieb, Daniel 9 Schmiedel, Heiko 9 Wright, Julian 9 Alexandrova-Kabadjova, Biliana 8 Calem, Paul Seth 8 Crook, Jonathan N. 8 Ferman, Bruno 8 Hunt, Robert M. 8
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Institution
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National Bureau of Economic Research 22 Melbourne Business School 5 Europäische Zentralbank 4 Iowa State University / Center for Agricultural and Rural Development 3 Federal Reserve Bank of Chicago 2 Federal Reserve Bank of Chicago / Research Dept 2 Frankfurt School Verlag GmbH 2 APACS 1 Bank of Canada 1 Books on Demand GmbH <Norderstedt> 1 Campus Verlag 1 Copenhagen Economics Aps 1 Deutsches Handelsinstitut 1 EIOPA 1 Ernst & Young AG <München> 1 European Central Bank 1 Europäische Kommission / Generaldirektion Wettbewerb 1 Europäisches Währungsinstitut / Working Group on EU Payment Systems 1 Federal Reserve Bank of New York 1 Federal Reserve Bank of Philadelphia 1 Federal Reserve System / Payments System Development Committee 1 Financial Conduct Authority 1 Georgetown University / Economics Department 1 Institut für Wirtschaftswissenschaften <Wien> 1 Institute for Social Research, University of Michigan 1 International Institute of Social and Economic Sciences 1 Johannes Gutenberg-Universität Mainz 1 London School of Economics (LSE) 1 NET Institute 1 National Bank of Belgium 1 New Contributions to Retail Payments: Conference at Norges Bank <2008, Oslo> 1 OECD 1 OECD / Directorate for Science, Technology and Industry 1 Organisation for Economic Co-operation and Development 1 Payments UK 1 RWTH Aachen 1 Reserve Bank of Australia 1 Shakai-Keizai-Kenkyūsho <Osaka> 1 Siirtymätalouksien tutkimuslaitos, Suomen Pankki 1 Springer Fachmedien Wiesbaden 1
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Published in...
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Journal of payments strategy & systems 38 Working paper / National Bureau of Economic Research, Inc. 29 Working papers / Federal Reserve Bank of Philadelphia, Research Department 23 NBER working paper series 22 Journal of banking & finance 21 Journal of financial services marketing : JFSM 16 DNB working paper 15 Economic review 14 Finance and economics discussion series 14 Working papers / Federal Reserve Bank of Boston 13 De Nederlandsche Bank Working Paper 11 NBER Working Paper 11 International journal of consumer studies 10 The American economic review 10 Working paper series / European Central Bank 10 Applied economics 9 ECB Working Paper 9 European journal of operational research : EJOR 9 Management science : journal of the Institute for Operations Research and the Management Sciences 9 Working papers / Federal Reserve Bank of Chicago 9 Discussion paper / Centre for Economic Policy Research 8 The international journal of bank marketing : IJBM 8 Working papers / Financial Institutions Center 8 FEDS Working Paper 7 International journal of industrial organization 7 Journal of public policy & marketing : JPP & M ; an annual publ. of the Division of Research, Graduate School of Business Administration, University of Michigan 7 Journal of retailing and consumer services 7 Arbeitspapier ... des Schwerpunktes Finanzwissenschaft, Betriebswirtschaftliche Steuerlehre 6 CFS working paper series 6 Economic inquiry : journal of the Western Economic Association International 6 Economics letters 6 FRB of Philadelphia - Payment Cards Center Discussion Paper 6 FRB of Philadelphia Working Paper 6 Journal of economic psychology : research in economic psychology and behavioral economics 6 MBS working papers 6 Research working papers / Federal Reserve Bank of Kansas City 6 The review of economics and statistics 6 Working papers 6 Working papers / Federal Reserve Bank of Philadelphia, Economic Research Division 6 Audit analytics in the financial industry 5
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Source
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ECONIS (ZBW) 1,522 RePEc 26 USB Cologne (EcoSocSci) 24 EconStor 6 BASE 2 Other ZBW resources 2
Showing 1 - 50 of 1,582
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Credit limit of unsecured consumer lending : evidence from micro data
Johan, Suwinto; Dewi, Calista Endrina - In: Economics and finance in Indonesia : (EFI) 67 (2021) 1, pp. 51-62
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A study on effect of credit card on customer satisfaction in chennai
William Robert. P; Maheshwar A - In: Journal of Contemporary Issues in Business and Government 26 (2020) 2, pp. 1055-1062
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Payments evolution from paper to electronic payments by merchant type
Cohen, Ruth; Shy, Oz; Stavins, Joanna - 2022 - This version: February 2022
The use of paper instruments-cash and checks-has been declining in the United States, and consumers have been gradually replacing paper with cards and electronic payments. Stavins (2021) examines the evolution of payments from paper to cards and electronic payments, while Shy (2020) shows the...
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Equilibrium in two-sided markets for payments : consumer awareness and the welfare cost of the interchange fee
Huynh, Kim P.; Nicholls, Gradon; Shcherbakov, Oleksandr - 2022 - Last updated: March 22, 2022
The market for payments is an important two-sided one, where consumers benefit from increased merchant acceptance of payment cards and vice versa. The dependence between the decisions that are made on each side of the market results in various network externalities that are often discussed but...
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Falling use of cash and demand for retail central bank digital currency
Tanai Khiaonarong; Humphrey, David B. - 2022
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Person-to-business Instant payments: could they work in Colombia?
Arango-Arango, Carlos A.; Ramirez-Pineda, Ana Carolina; … - 2022
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Retail payment services ... ; 2021
2022
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Study on the influence of IFRS 9 on the impairment of commercial bank credit card
Chen, Ying; Yang, Chen; Zhang, Chi - In: Applied economics letters 29 (2022) 1, pp. 35-40
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Consumption in the Great Recession : the financial distress channel
Athreya, Kartik B.; Mather, Ryan; Mustre-del-Río, José; … - 2019
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Consumption in the Great Recession : the financial distress channel
Athreya, Kartik B.; Mather, Ryan; Mustre-del-Río, José; … - 2019
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Consumption in the Great Recession : the financial distress channel
Athreya, Kartik B.; Mather, Ryan; Mustre-del-Río, José; … - 2019
During the Great Recession, the collapse of consumption across the U.S. varied greatly but systematically with house-price declines. We find that financial distress among U.S. households amplified the sensitivity of consumption to house-price shocks. We uncover two essential facts: (1) the...
Persistent link: https://ebtypo.dmz1.zbw/10012137091
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Which Factors Financially Distressed Consumers Consider When Choosing One Credit Card to Default? Evidence from a Novel Dataset
Moriconi, Dionysio; Colombo, Jefferson - 2021
Using a novel dataset composed of nearly 30k randomly selected cardholders from the largest financial institution in Latin America (Itau Unibanco), we analyze the choices of distressed Brazilian clients. Conditional on having two credit cards and defaulting on only one of them, we find that...
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Buying and Payment Habits : Using Grocery Data to Predict Credit Card Payments
Lee, Jung Youn; Yang, Joonhyuk; Anderson, Eric - 2021
This study shows that individuals' habits in grocery shopping are incrementally useful in predicting their credit card payment behaviors and that such incremental predictive power can translate into incremental profits for firms. Guided by prior work, we identify five broad grocery shopping...
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Interchange Fees and Card Payments : A Cross-country Analysis
Ardizzi, Guerino; Scalise, Diego; Sene, Gabriele - 2021
We study the relationship between interchange fees and card transactions in a large panel of countries and assess the impact of the Interchange Fee Regulation, introduced in 2015 in the European Union, on card usage. For our purposes, we take advantage of a newly assembled dataset covering...
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Special Purpose Credit Programs
Hayes, Stephen - 2021
The Equal Credit Opportunity Act (ECOA) offers creditors a powerful tool for addressing lending disparities for historically underserved groups: Special Purpose Credit Programs (SPCPs). SPCPs provide a targeted means for creditors to meet special social needs and benefit economically...
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Distributional Effects of Payment Card Pricing and Merchant Cost Pass-through in the United States and Canada
Felt, Marie-Helene; Hayashi, Fumiko; Stavins, Joanna; … - 2021
Using data from the United States and Canada, we quantify consumers’ net pecuniary cost of using cash, credit cards, and debit cards for purchases across income cohorts. The net cost includes fees paid to financial institutions, rewards received from credit or debit card issuers, and the...
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Piercing through Opacity : Relationships and Credit Card Lending to Consumers and Small Businesses during Normal Times and the COVID-19 Crisis
Berger, Allen N.; Bouwman, Christa H. S.; Norden, Lars; … - 2021
We investigate bank relationships in a rarely-considered context – consumer and small business credit cards. Using over one million accounts, we find during normal times, consumer relationship customers enjoy relatively favorable credit terms, consistent with the bright side of relationships,...
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The COVID-19 Shock and Consumer Credit : Evidence from Credit Card Data
Horvath, Akos; Kay, Benjamin S.; Wix, Carlo - 2021
We use credit card data from the Federal Reserve Board's FR Y-14M reports to study the impact of the COVID-19 shock on the use and availability of consumer credit across borrower types from March through August 2020. We document an initial sharp decrease in credit card transactions and...
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The Hidden Role of Contract Terms : Evidence from Credit Card Minimum Payments in Mexico
Medina, Paolina C.; Negrin, Jose L. - 2021
This paper argues that thresholds in financial contracts act as implicit nudges in consumers’ decisions. Exploiting a regulatory change to credit card minimum payments in Mexico, we find that a one percentage point change in minimum payments leads to a 0.87 pp change in actual payments, both...
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The Impact of Co-Branded Credit Cards on Customer Loyalty
Zhao, Nan; Gopalakrishnan, Arun; Narasimhan, Chakravarthi - 2021
We study how adopting co-branded credit cards affects customers’ behavioral loyalty with the brand in the context of the airline industry. Specifically, we explore three dimensions of loyalty that may be affected: the amount of money spent on the airline, loyalty-points redemption, and...
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Consumer payment choices, costs, and risks : evidence from Zimbabwe
Simatele, Munacinga; Mbedzi, Edson - In: Cogent economics & finance 9 (2021) 1, pp. 1-23
Very little is known about payment choices in the African context and in developing countries in general. Their unique infrastructures and economic nuances suggest that both the availability of instruments and supporting structures in the payment system are different from the general perception....
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Payments evolution from paper to electronic : bill payments and purchases
Stavins, Joanna - 2021 - This version: April 2021
Consumer payments in the United States gradually have been shifting away from paper checks for the past several years. Cash use has declined as well, although at a much slower pace. As the number of check payments has decreased, those payments have been replaced with electronic and card...
Persistent link: https://ebtypo.dmz1.zbw/10012581421
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Acceptance of mobile loyalty cards in the German B2C consumer goods market
Schneider, Sandra - In: International journal of management and economics 57 (2021) 1, pp. 85-102
The consumer goods market is characterized by strong competition. Thus, to bind customers to the company, a higher priority needs to be attributed to customer retention measures. Such measures include the loyalty card, but the use of the physical card is declining. To counteract this decline,...
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Decomposing gender differences in bankcard credit limits
Blascak, Nathan; Tranfaglia, Anna - 2021
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High-frequency spending responses to government transfer payments
Cooper, Daniel; Olivei, Giovanni P. - 2021 - This version: November 2021
This paper evaluates the marginal propensity to consume (MPC) out of the 2020 fiscal stimulus payments using high-frequency, transaction-level data for a sample of low-income cardholders, many of whom are unbanked. Consumers' MPC out of non-stimulus income and their MPC out of tax refunds are...
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Decomposing gender differences in bankcard credit limits
Blascak, Nathan; Tranfaglia, Anna - 2021
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Financial consequences of severe identity theft in the U.S.
Blascak, Nathan; Cheney, Julia; Hunt, Robert M.; … - 2021
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Drivers of individual credit risk of retail customers : a case study on the example of the polish cooperative banking sector
Balina, Rafał; Idasz-Balina, Marta - In: Risks : open access journal 9 (2021) 12, pp. 1-26
The main aim of the research was to determine the key factors determining the level of credit risk of individual clients (clients in the form of natural persons, excluding companies) on the example of Polish cooperative banks according to the following features: transaction characteristics,...
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Household spending responses to the economic impact payments of 2020 : evidence from the consumer expenditure survey
Parker, Jonathan A.; Schild, Jake; Erhard, Laura; … - 2021
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Electronic payment technology and tax compliance : evidence from Uruguay's financial inclusion reform
Brockmeyer, Anne - 2021
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Interchange Fee Regulation and card payments : a cross-country analysis
Ardizzi, Guerino; Scalise, Diego; Sene, Gabriele - 2021
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Which lenders are more likely to reach out to underserved consumers : banks versus fintechs versus other nonbanks?
Dolson, Erik; Jagtiani, Julapa - 2021
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Piercing through opacity : relationships and credit card lending to consumers and small businesses during normal times and the COVID-19 crisis
Berger, Allen N.; Bouwman, Christa H. S.; Norden, Lars; … - 2021
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Banken auf dem Holzweg? : eine empirische Untersuchung der Bewertung von Kreditkarten aus Holz
Graf, Erika - 2021
Um ihren Fokus auf Nachhaltigkeit zu unterstreichen bieten vereinzelte Banken in Deutschland und der Schweiz ihrer Kundschaft seit kurzem Kreditkarten aus Holz. Wie nehmen die Kunden diese Karten in Bezug auf die Nachhaltigkeit der Karte und der Bank wahr? Auf Basis der...
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The COVID-19 shock and consumer credit : evidence from credit card data
Horvath, Akos; Kay, Benjamin; Wix, Carlo - 2021 - This version: January 2021
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How people pay each other : data, theory, and calibrations
Greene, Claire; Prescott, Brian; Shy, Oz - 2021
Using a representative sample of the U.S. adult population, we analyze which payment methods consumers use to pay other consumers (p2p) and how these choices depend on transaction and demographic characteristics. We additionally construct a random matching model of consumers with diverse...
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The determinants of consumer cash usage in Turkey
Çevik, Saygın; Teber, Dilan - 2021
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Application of Machine Learning Algorithms in Credit Card Default Payment Prediction
Husejinovic, Admel; Kečo, Dino; Masetic, Zerina - 2021
Credit card default payment prediction studies are very important for any financial institution dealing with credit cards. The purpose of this work is to evaluate the performance of machine learning methods on credit card default payment prediction using logistic regression, C4.5 decision tree,...
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Campus Debit and Prepaid Cards and the Best Financial Interest Standard
Baker, Sarah; Maletic, Stefan; Morrissey, Brendan; … - 2021
There is a long, unfortunate history of colleges and universities steering students toward predatory financial products. Across consumer financial markets — from student loans to credit cards — schools have been caught making back-room deals with lenders at borrowers’ expense. The market...
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Credit Cards and the Floating Rate Channel of Monetary Policy
Grodzicki, Daniel - 2021
I quantify the impact of Federal Funds Rate (FFR) movements on consumers' welfare via the floating, or variable, rate on their credit cards. I first newly document that 96% of card rates adjust to the FFR within 3 months of a change in the latter. Exploiting these rate changes, I construct a...
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Intra-household Frictions, Anchoring, and the Credit Card Debt Puzzle
Vihriälä, Erkki - 2021
I explain the credit card debt puzzle – the co-holding of high-cost debt and low-yield liquid assets – with a household and individual determinant that lower debt repayments. At the household level, co-holding is consistent with intra-household frictions. Couples co-hold 40 percent more than...
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Macroeconomic Expectations and Credit Card Spending
Galashin, Misha; Kanz, Martin; Perez-Truglia, Ricardo - 2021
How do macroeconomic expectations affect consumer decisions? We examine this question using a natural field experiment with 2,872 credit card customers from a large commercial bank. We conduct a survey to measure consumer expectations about future inflation and the nominal exchange rate and...
Persistent link: https://ebtypo.dmz1.zbw/10013246194
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Reducing Credit Card Delinquency using Broadcast Repayment Reminders
Campbell, Daniel; Grant, Andrew R.; Thorp, Susan - 2021
A timely reminder on an app or website prompts delinquent credit card debtors with strong credit records to repay but is ineffective for debtors with weak credit records. We study field data from a 2015-16 randomized controlled trial of a broadcast reminder received by 30-days-overdue credit...
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Permanent income hypothesis in emerging markets : some Brazilian evidence
Lucinda, Cláudio Ribeiro; Favaro, Juliana de Freitas … - In: Economia : revista da ANPEC 19 (2018) 3, pp. 395-403
This paper uses a dataset from one of the largest credit card issuers in Brazil to investigate the extent of credit constraints for one of the world's largest emerging market economies. In order to deal with the endogeneity problem from an observational dataset, an identification strategy based...
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Household financial distress and the burden of "aggregate" shocks
Athreya, Kartik B.; Mather, Ryan; Mustre-del-Río, José; … - 2020
The goal of this paper is to show that household-level financial distress (FD) varies greatly, meaning there is unequal exposure to macroeconomic risk, and that FD can increase macroeconomic vulnerability. To do this, we first establish three facts: (i) regions in the U.S. vary significantly in...
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Distributional effects of payment card pricing and merchant cost pass-through in the United States and Canada
Felt, Marie-Hélène; Hayashi, Fumiko; Stavins, Joanna; … - 2020 - This version: December 2020
Using data from the United States and Canada, we quantify consumers’ net pecuniary cost of using cash, credit cards, and debit cards for purchases across income cohorts. The net cost includes fees paid to financial institutions, rewards received from credit or debit card issuers, and the...
Persistent link: https://ebtypo.dmz1.zbw/10012395121
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Comparing digital finance in the UK, US, India and Nigeria
Ozili, Peterson K. - In: E-Finanse : finansowy kwartalnik internetowy 16 (2020) 4, pp. 1-11
This paper examines digital finance usage in the UK, US, India and Nigeria. Using data from the global financial development indicators, the findings reveal that the UK and US have higher digital finance usage than India and Nigeria. The US has higher credit card usage compared to the UK while...
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"Repayment-by-purchase" helps consumers to reduce credit card debt
Donnelly, Grant E.; Lamberton, Cait; Bush, Stephen; … - 2020
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Determinants of consumers' intention to use credit card: a perspective of multifaceted perceived risk
Hoang Nam Trinh; Hong Ha Tran; Duc Hoang Quan Vuong - In: Asian journal of economics and banking : AJEB 4 (2020) 3, pp. 105-120
Purpose - The purpose of this study is to develop a theoretical model for consumer behavioral intention by integrating the technology acceptance model (TAM) and the theory of perceived risk, which is tested on the intended use of credit cards in Vietnam. Design/methodology/approach - The data...
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Regulatory Interventions in Consumer Financial Markets : The Case of Credit Cards
Galenianos, Manolis - 2020
We build a framework to understand the effects of regulatory interventions in credit markets, such as caps on interest rates and higher compliance costs for lenders. We focus on the credit card market, in which we observe U.S. consumers borrowing at high and very dispersed interest rates,...
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