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Deciphering big data in consumer credit evaluation
Journal of Empirical Finance, 2021This paper examines the impact of large-scale alternative data on predicting consumer delinquency. Using a proprietary double-blinded test from a traditional lender, we find that the big data credit score predicts an individual’s likelihood of defaulting
Jinglin Jiang +4 more
semanticscholar +1 more source
Optimal trade credit coordination policy in dual-channel supply chain with consumer transfer
International Journal of Production Research, 2022The boom in online sales has inspired the enthusiasm of manufacturers to include their own online sale channel with the retailer’s offline channel. This paper investigates the impact of consumer transfer in a capital-constraint dual-channel supply chain ...
Yuqi Li, D. Wu, A. Dolgui
semanticscholar +1 more source
Web Search and Data Mining, 2021
Consumer lending service is escalating in E-Commerce platforms due to its capability in enhancing buyers' purchasing power, improving average order value, and increasing revenue of the platforms.
Ting Liang +6 more
semanticscholar +1 more source
Consumer lending service is escalating in E-Commerce platforms due to its capability in enhancing buyers' purchasing power, improving average order value, and increasing revenue of the platforms.
Ting Liang +6 more
semanticscholar +1 more source
Disguised corruption: Evidence from consumer credit in China
Journal of Financial Economics, 2020Using a comprehensive sample of credit card data from a leading Chinese bank, we show that government bureaucrats receive 16% higher credit lines than non-bureaucrats with similar income and demographics, but their accounts experience a significantly ...
Sumit Agarwal +3 more
semanticscholar +1 more source
Social Science Research Network, 2021
We analyze competition in the consumer lending segment between banks and financial technology (or “fintech”) companies (or “fintechs”) as well as giant technology (or “bigtech”) companies (or “bigtechs”) providing alternative credit.
Oskar Kowalewski, Paweł Pisany
semanticscholar +1 more source
We analyze competition in the consumer lending segment between banks and financial technology (or “fintech”) companies (or “fintechs”) as well as giant technology (or “bigtech”) companies (or “bigtechs”) providing alternative credit.
Oskar Kowalewski, Paweł Pisany
semanticscholar +1 more source
Two-stage consumer credit risk modelling using heterogeneous ensemble learning
Decision Support Systems, 2019Modelling consumer credit risk is a crucial task for banks and non-bank financial institutions to support decision-making on granting loans. To model the overall credit risk of a consumer loan in terms of expected loss (EL), three key credit risk ...
M. Papouskova, P. Hájek
semanticscholar +1 more source
Minimum Wages and Consumer Credit: Effects on Access and Borrowing
The Review of financial studies, 2020This paper examines how minimum wages affect lender and borrower interactions with consumer credit markets. We find that higher state minimum wages increase the supply of unsecured credit, reduce payday loan usage, decrease delinquency, and increase ...
Lisa J. Dettling, Joanne W. Hsu
semanticscholar +1 more source
Real Effects of Search Frictions in Consumer Credit Markets
The Review of financial studies, 2020We show that search frictions in credit markets affect accepted interest rates and loan sizes and distort consumption. Using data on car loan applications and originations not intermediated by car dealers, we isolate quasi-exogenous variation in both ...
Bronson Argyle +2 more
semanticscholar +1 more source
Structural Models in Consumer Credit [PDF]
SSRN Electronic Journal, 2004 zbMATH Open Web Interface contents unavailable due to conflicting licenses.
Muniz de Andrade, Fabio Wendling +1 more
openaire +3 more sources
University of Toronto Law Journal, 2010
Consumer credit law was a hot topic for legal scholars during the 1970s and 1980s, but its attraction waned in the next two decades, no doubt due in part to the dampening effect of the law and economics movement on government intervention and its advocacy. However, the last five years have seen a resurgence of scholarly interest in consumer credit law.
openaire +1 more source
Consumer credit law was a hot topic for legal scholars during the 1970s and 1980s, but its attraction waned in the next two decades, no doubt due in part to the dampening effect of the law and economics movement on government intervention and its advocacy. However, the last five years have seen a resurgence of scholarly interest in consumer credit law.
openaire +1 more source