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The use and disuse of FinTech credit : when buy-now-pay-later meets credit reporting

Dong, Yanfei; Hu, Jiayin; Huang, Yiping; Qiu, Han; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015206733

Consumer credit reporting data

Gibbs, Christa; Guttman-Kenney, Benedict; Lee, Donghoon; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015557443

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Consumer credit reporting data

Gibbs, Christa; Guttman-Kenney, Benedict; Lee, Donghoon; … - 2024

Book / Working Paper

Disputes on Consumer Credit Reports

Sandler, Ryan - 2022

Because of the importance of credit reporting to the consumer finance system, the accuracy of credit reports is a perennial policy concern. Studies have found that a substantial minority of consumers have errors on their credit reports with the three nationwide consumer reporting agencies...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013306014

Partisan professionals : evidence from credit rating analysts

Kempf, Elisabeth; Tsoutsoura, Margarita - 2020

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012202050

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Partisan professionals : evidence from credit rating analysts

Kempf, Elisabeth; Tsoutsoura, Margarita - 2018

Book / Working Paper

Partisan Professionals : Evidence from Credit Rating Analysts

Kempf, Elisabeth; Tsoutsoura, Margarita - 2021

Book / Working Paper

Partisan Professionals : Evidence from Credit Rating Analysts

Kempf, Elisabeth - 2018

Book / Working Paper

Partisan Professionals : Evidence from Credit Rating Analysts

Kempf, Elisabeth - 2018

Book / Working Paper

When crisis victims are not customers : SCCT and the Equifax data breach

Erickson, Sheri L.; Stone, Mary; Serdar, Gokce; … - 2023

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014316160

Data sharing in credit markets : does comprehensiveness matter?

Barci, Giovanni; Andreeva, Galina; Bouyon, Sylvain - 2019 - Final study

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012154346

Credit Reporting

Haley, Anthony J. - 2022 - 1st ed.

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015426279

Credit Information System in Albania

Ribaj Çinaj, Valbona - 2017

The booming lending period and many lenders (16 banks and 21 non-bank financial Institutions in Albania) brought about unprecedented competition in credit markets within Albania. Economists usually view lending and competition favorably, but in Albania resulted in a number of unforeseen...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012962981

Credit Information Sharing and Hold-up

Gietzen, Thomas - 2017

I study hold-up in bank lending and the effects of information sharing on this adverse selection problem. I derive testable hypotheses by augmenting the model in Gehrig and Stenbacka (2007). For empirical identification, I exploit the introduction of an information sharing system in an African...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012968998

Datenschutz und Verbraucherschutz bei Bonitätsprüfungen durch Wirtschaftsauskunfteien mittels Scoring

Overbeck, Alice - 2017

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013445941

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Datenschutz und Verbraucherschutz bei Bonitätsprüfungen durch Wirtschaftsauskunfteien mittels Scoring

Overbeck, Alice - 2017

Book / Working Paper

Credit information sharing and its link to financial inclusion and financial intermediation

Morscher, Christof; Horsch, Andreas; Stephan, Johannes - 2017

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011773732

Creditor information registries and relationship lending

Bertrand, Jérémie; Klein, Paul-Olivier - 2021

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014265574

Generalized modeling and estimation of rating classes and default probabilities considering dependencies in cross and longitudinal section

Tillich, Daniel - 2016

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013441254

Essays on banking : various aspects of the interaction between a firm and its creditor banks

Acevedo, Paola Morales - 2016

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011478070

Managing the Privilege of Credit Reporting : An Analysis of ALRC Proposals for the Credit Reporting Provisions of the Privacy Act

Waters, Nigel - 2015

This submission addresses these issues in greater detail and, more specifically, responds to Part G of the ALRC Discussion Paper 72 (DP72) which addresses the credit reporting provisions of the Privacy Act. The ALRC proposes that Part IIIA of the Privacy Act 1988 be repealed and that instead,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013039549

Experienţe internaţionale privind utilizarea bazelor de date referitoare la Centrala Riscului de Credit şi la Centrala Indicidentelor de Plăţi

2015

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011409630

The accuracy of the information presented in credit bureau reports : research and comparative analysis

Simović, Vladimir - 2015

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012063265

Credit Reporting's Vicious Cycles

Herrine, Luke - 2015

This article argues that consumer credit reports can create two sorts of vicious cycles, which can contribute to to cycles of poverty and deepen race-based disenfranchisement. The first takes place in credit markets themselves. Even on a neoclassical model of credit reporting, credit reports can...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014134724

Information Sharing and Cross-Border Entry in European Banking

Giannetti, Caterina - 2014

Information asymmetries can severely limit cross-border border expansion of banks. When a bank enters a new market, it has incomplete information about potential new clients. Such asymmetries are reduced by credit registers, which distribute financial data on bank clients. We investigate the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013068892

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Information Sharing and Cross-Border Entry in European Banking

Giannetti, Caterina - 2012

Book / Working Paper

Information Sharing and Cross-Border Entry in European Banking

Giannetti, Caterina - 2010

Book / Working Paper

Scoring im Fokus : ökonomische Bedeutung und rechtliche Rahmenbedingungen im internationalen Vergleich

2014

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10010408850

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Scoring im Fokus : ökonomische Bedeutung und rechtliche Rahmenbedingungen im internationalen Vergleich

2014

Book / Working Paper

Using Credit Reporting Agency Data to Assess the Link between the Community Reinvestment Act and Consumer Credit Outcomes

Munoz, Ana Patricia - 2013

We use a regression discontinuity design to investigate the effect of the Community Reinvestment Act on consumer credit outcomes using data from the Federal Reserve Bank of New York's Consumer Credit Panel database (Equifax data) for the years 2004 to 2012. A bank's activities in census tracts...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013073769

Limited Credit Records and Market Outcomes

Bottero, Margherita - 2013

Credit registers collect, store and share information regarding borrowers' past and current credit relations. Interestingly, such data is typically erased from the public records after a number of years, in accordance with privacy protection laws, which aim at providing individuals with a fresh...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013082525

Limited credit records and market outcomes

Bottero, Margherita; Spagnolo, Giancarlo - 2013

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10010350605

Credit Reporting, Access to Finance and Identification Systems : International Evidence

Giannetti, Caterina - 2011

Credit reporting systems are an important ingredient for financial markets. These systems are based upon the unique identification of borrowers, which is enabled if a compulsory identification system exists in a country. We present evidence derived from difference-in-difference analyses on the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013122945

Credit Reporting, Access to Finance and Identification Systems: International Evidence

Giannetti, Caterina; Jentzsch, Nicola - 2011

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10009230360

Information sharing and information acquisition : ownership and coverage

Karapetyan, Artashes; Stacescu, Bogdan - 2011

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10009423232

Information sharing and cross-border entry in European banking

Giannetti, Caterina; Jentzsch, Nicola; Spagnolo, Giancarlo - 2010

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10003939712

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Information-sharing and cross-border entry in European banking

Giannetti, Caterina; Jentzsch, Nicola; Spagnolo, Giancarlo - 2010

Book / Working Paper

Information sharing and credit rationing : evidence from the introduction of a public credit registry

Cheng, Xiaoqiang; Degryse, Hans - 2010

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10003985627

SMEs and bank lending relationships : the impact of mergers

Degryse, Hans; Masschelein, Nancy; Mitchell, Janet - 2004

This paper studies the impact of bank mergers on firm-bank lending relationships using information from individual loan contracts in Belgium. We analyse the effects of bank mergers on the probability of borrowers maintaining their lending relationships and on their ability to continue tapping...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011625812

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SMES and Bank Lending Relationships : The Impact of Mergers

Degryse, Hans - 2010

Book / Working Paper

Information Sharing and Credit Rationing : Evidence from the Introduction of a Public Credit Registry

Cheng, Xiaoqiang - 2010

We provide the first evidence on how the introduction of information sharing via a public credit registry affects banks' lending decisions. We employ a unique dataset containing detailed information on credit card applications and decisions from one of the leading banks in China. While we do not...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013145148

Information sharing and information acquisition in credit markets

Karapetyan, Artashes; Stacescu, Bogdan - 2014

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10010442836

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Information sharing and information acquisition in credit markets

Karapetyan, Artashes; Stacescu, Bogdan - 2010

Book / Working Paper

Information sharing and information acquisition in credit markets

Karapetyan, Artashes; Stacescu, Bogdan - 2009

Book / Working Paper

Regulierung von Auskunfts- und Mehrwertdiensten im internationalen Vergleich

Schäfer, Ralf G. - 2010

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10009244621

The significance and design of a national mortgage note registry

Heller, Stephanie A.; Whitman, Dale A. - 2016

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011571916

Credit referencing bureaus and bank credit risk : evidence from Ghana

Kusi, Baah Aye; Agbloyor, Elikplimi Komla; Fiador, Vera O. - 2016

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011588572

Does information sharing promote or detract from bank returns : evidence from Ghana

Kusi, Baah Aye; Agbloyor, Elikplimi Komla; Fiador, Vera O. - 2016

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011723387

Information sharing and information acqusition in credit markets

Karapetyan, Artashes; Stacescu, Bogdan - 2009

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10003863953

The case for a credit registry

Mian, Atif - 2014

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10010408503

The conceptual model of the credit information exchange system in global terms

Ranković, Marko - 2014

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10010416686

Legal frameworks and credit information systems in China, Korea, and Singapore

Han, Kwangsuk - 2013

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015170805

Information Sharing and Information Acquisition in Credit Markets

Karapetyan, Artashes - 2013

Since information asymmetries have been identified as an important source of bank profits, it may seem that the establishment of information sharing (e.g., introducing credit bureaus or public registers) will lead to lower investment in acquiring information. However, banks base their decisions...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013094003

Credit reporting, financial intermediation and identification systems : international evidence

Gianetti, Caterina; Jentzsch, Nicola - 2013

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10009730773

Information misreporting in the credit market : analysis of a credit bureau's disciplinary role

Nabi, Mahmoud Sami; Souissi, Souraya Ben - 2013

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10009735841

The U.S. credit reporting system : elements, infrastructure, and key processes

2013

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011433446

Jahresbericht

Verband der Vereine Creditreform - Neuss : Verband der Vereine Creditreform e. V. - 2004/2005 [?]-

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012030009

Modelling the role of credit rating agencies : do they spark off a virtuous circle?

2005

In this paper, we propose a model of credit rating agencies using the global games framework to incorporate information and coordination problems. We introduce a refined utility function of a credit rating agency that, additional to reputation maximization, also embeds aspects of competition and...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10003275438