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The American consumer: a financial portrait
PSL Quarterly Review, 2014 In March 1957, the Federal Reserve published the results of a broad study of the role of consumer instalment credit in the American economy. Because of its nature, the study is most valuable for the insight it provides into the nature, growth and ...
H.H. LANDSBERG
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Valuating consumer credit portfolios
Latin American Journal of Central Banking, 2022 This paper proposes a model that associates borrower credit risk with the cash flow method to assess the economic value of a consumer credit portfolio.
Pedro Piccoli
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Minimum payments and debt paydown in consumer credit cards
Journal of Financial Economics, 2019 Using a dataset covering one quarter of the U.S. general-purpose credit card market, we document that 29% of accounts regularly make payments at or near the minimum payment.
Benjamin J. Keys, Jialan Wang
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Big Data Credit Report in Credit Risk Management of Consumer Finance
Wireless Communications and Mobile Computing, 2021 Traditional consumer finance is a modern financial service method that provides consumer loans to consumers of all classes. With the gradual improvement of China’s credit reporting system, big data credit reporting has effectively made up for the lack of
Lu Gao, Jian Xiao
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Affluence and unsustainable consumption levels: The role of consumer credit
, 2020 Several pressures on planetary boundaries are directly linked to the production of goods and services driven by people’s ever-increasing spending of money to improve their material living standard beyond a comfortable life.
R. Ahlström, T. Gärling, J. Thøgersen
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Croatian Yearbook of European Law and Policy, 2018 This article shows that there is a lack of consistency in the interpretation of the meaning and scope of the obligation of traders to provide transparent pre-contractual and contractual information on consumer credit to consumers in EU law.
Mia Junuzović
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Credit Card Fraud Detection Using LSTM Algorithm
Wasit Journal of Computer and Mathematics Science, 2022 With the rapid growth of consumer credit and the huge amount of financial data developing effective credit scoring models is very crucial. Researchers have developed complex credit scoring models using statistical and artificial intelligence (AI ...
Yanash Azwin Mohmad
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Peering Forward, 10 Years After: International Policy and Consumer Credit Regulation
, 2020 A key change since the financial crisis of 2008 is the internationalization of interest in consumer finance. International institutions monitor household credit because of its impact on financial stability and market expansion.
I. Ramsay, T. Williams
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SCIENTIFIC VALUES ON THE EUROPEAN LEGAL REGULATION ON THE CONSUMER CREDIT AGREEMENT [PDF]
EURINT, 2021 With the increase of revenue, including in the budget sphere, which stimulates the planning of purchases of products that could improve the quality of life, with the reduction of interest rates by banks, the citizens are increasingly stimulated to ...
Olesea PLOTNIC, Rodica CRUDU
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Immigrant credit visibility: Access to credit over time in Canada
Economic and Social Reports, 2023 Credit is a key element to modern economic life in Canada and immigrants may be at greater risk of lacking access to credit markets since credit information is, for the most part, not shared across international borders.
Jesse Tweedle +3 more
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