Results 281 to 290 of about 2,362,321 (352)

CONSUMER CREDIT AND CONSUMER DEMAND FOR AUTOMOBILES

The Journal of Finance, 1976
No aggregate time series data are available for all three credit terms: the downpayment percent, the finance charge, and the length of contract. It is the interaction of these terms which determine the price of using credit to purchase an automobile.
Eastwood, David B, Anderson, Robert C
openaire   +1 more source

Informational synergies in consumer credit

Journal of Financial Intermediation, 2019
Lenders can consider multiple sources of private information to assess consumer credit risk but little is known about the informational synergies between these sources.
Martin Hibbeln, Lars Norden, Piet Usselmann, Marc Gürtler   +3 more
semanticscholar   +1 more source

CREDIT COUNSELING AND CONSUMER CREDIT TRAJECTORIES

Economic Inquiry, 2019
Nonprofit credit counseling provides consumers with financial education, individualized financial counseling, and debt restructuring. Despite potential benefits, relatively little is known about its efficacy. This study uses administrative data to assess
S. Roll, Stephanie Moulton
semanticscholar   +1 more source

Assisting mental accounting using smartphones: Increasing the salience of credit card transactions helps consumer reduce their spending

Computers in Human Behavior, 2020
Credit card-related over-spending represents an important issue for consumers. Over-spending arises in parts from reduced payment transparency compared to cash and other payment methods.
Johannes Huebner, E. Fleisch, A. Ilic
semanticscholar   +1 more source

Consumer Credit

2018
Abstract This chapter focuses on the regulation of consumer credit in the UK. It first traces the history of the regulatory framework for moneylending, with particular emphasis on the Consumer Credit Act 1974 (CCA 1974) and the Financial Services Act 2012, the latter of which led to the transfer of consumer credit regulation to the ...
George Walker, Robert Purves, Michael Blair   +2 more
openaire   +1 more source

Financial literacy, self-efficacy and risky credit behavior among college students: Evidence from online consumer credit

Journal of Behavioral and Experimental Finance, 2021
Liu Liu, Hua Zhang
semanticscholar   +1 more source

Consumer Credit Reporting Data

SSRN Electronic Journal
Since the 2000s, economists across fields have increasingly used consumer credit reporting data for research. We introduce readers to the economics of and the institutional details of these data. Using examples from the literature, we provide practical guidance on how to use these data to construct economic measures of borrowing, consumption, credit ...
Gibbs, Christa, Guttman-Kenney, Benedict, Lee, Donghoon, Nelson, Scott, van der Klaauw, Wilbert, Wang, Jialan   +5 more
openaire   +2 more sources

Inferring multi-stage risk for online consumer credit services: An integrated scheme using data augmentation and model enhancement

Decision Support Systems, 2021
Jilei Zhou, Cong Wang, F. Ren, Guoqing Chen   +3 more
semanticscholar   +1 more source

Credit card fraud detection strategies with consumer incentives

Omega, 2019
Credit card fraud increases as ecommerce becomes more prevalent. Current fraud detection techniques, however, are far from accurate, and can result in significant financial losses to merchants and card issuers.
Deshen Wang, Bintong Chen, J. Chen
semanticscholar   +1 more source

Coöperative Consumer Credit

The ANNALS of the American Academy of Political and Social Science, 1938
It was natural also that a certain propensity in our character for cooperative action should find in this field an opportunity for happy expression. Alongside the professional loan firms, therefore, there has developed over the last thirty years a specialized form of cooperative, dealing only in the commodity of credit.
openaire   +1 more source