Results 31 to 40 of about 21,730 (266)

Dealer Pricing of Consumer Credit [PDF]

SSRN Electronic Journal, 2002
Price discrimination incentives may induce dealers to bear the financial cost of their customers' credit purchases. We focus on how financial market imperfections make it possible to segment the customer population. When borrowing and lending rates differ from each other and from the rate of interest on a durable good purchase, the structure of those ...
Bertola, Giuseppe, Hochguertel, Stefan, Koeniger, Winfried   +2 more
openaire   +5 more sources

Advances in Sustainable and Wearable Textile Based Soft Robotics

Advanced Functional Materials, EarlyView.
This Review examines advances in wearable textile‐based soft robotics, focusing on sustainable materials, integrated sensing, and scalable actuation. It discusses manufacturing and system integration across healthcare, assistive robotics, prosthetics, and human–machine interfaces, and highlights key challenges in circular design, including life‐cycle ...
Zahir Abbas, Marzia Dulal, Sophia K. Novoselov, Victoria K. Novoselov, Kostya S. Novoselov, Shaila Afroj, Nazmul Karim   +6 more
wiley   +1 more source

Access to consumer credit in the UK [PDF]

The European Journal of Finance, 2015
This paper investigates household access to consumer credit in the UK using information on 58,642 households between 2001 and 2009. Employing a treatment-effects model and propensity score matching, we find that non-white households are less likely to have financing compared to white households.
Solomon Y. Deku, Alper Kara, Phil Molyneux   +2 more
openaire   +2 more sources

Beyond Presumptions: Toward Mechanistic Clarity in Metal‐Free Carbon Catalysts for Electrochemical H2O2 Production via Data Science

Advanced Materials, EarlyView.
Metal‐free carbon catalysts enable the sustainable synthesis of hydrogen peroxide via two‐electron oxygen reduction; however, active site complexity continues to hinder reliable interpretation. This review critiques correlation‐based approaches and highlights the importance of orthogonal experimental designs, standardized catalyst passports ...
Dayu Zhu, Hsi‐wen Wu, Xiao Wang, Jie Zhang   +3 more
wiley   +1 more source

A United States Fair Lending Perspective on Machine Learning

Frontiers in Artificial Intelligence, 2021
The use of machine learning (ML) has become more widespread in many areas of consumer financial services, including credit underwriting and pricing of loans.
Patrick Hall, Patrick Hall, Benjamin Cox, Steven Dickerson, Arjun Ravi Kannan, Raghu Kulkarni, Nicholas Schmidt, Nicholas Schmidt   +7 more
doaj   +1 more source

Managing Consumer Credit Risk [PDF]

SSRN Electronic Journal, 2001
On July 31, 2001, the Payment Cards Center of the Federal Reserve Bank of Philadelphia hosted a workshop that examined current credit risk management practices in the consumer credit industry. The session wasled by Jeffrey Bower, senior manager in KPMG Consulting's financial services practice.
Peter Burns, Anne Stanley
openaire   +2 more sources

The Evolution of Aerosol Jet Printing, A Review: Enhancing Material Versatility and Improvements for Next‐Generation Applications

Advanced Materials Technologies, EarlyView.
Aerosol Jet Printing (AJP) has emerged as a versatile additive manufacturing technique for high‐resolution, conformal, and multi‐material printing. This review highlights advances in printable materials, substrate compatibility, post‐processing, characterization, and process innovations, while critically discussing current challenges and future ...
Chandrachur Chatterjee, Rocco Lupoi, Michael J. Gibbons   +2 more
wiley   +1 more source

Does the Definition of the Cost of Consumer Credit According to the Regulations Support Credit Decisions? Results of Individual In-Depth Interviews With Experts

Financial Internet Quarterly
According to the regulations in force, including in Poland, loan institutions must disclose the costs of consumer credit. However, these costs can be presented in many ways.
Cwynar Wiktor
doaj   +1 more source

Consumer Credit and Payment Cards [PDF]

SSRN Electronic Journal, 2011
We consider debit and credit card networks. Our contribution is to introduce the role of consumer credit into these payment networks, and to assess the way this affects competition and equilibrium fees. We analyze a situation in which overdrafts are associated with current accounts and debit cards, and larger credit lines with ‘grace’ periods are ...
Wilko Bolt, Elizabeth Foote, Heiko Schmiedel   +2 more
openaire   +3 more sources

3D‐Printed Magnetoelectronics for Interactive Appliances and Self‐Aware 4D‐Printed Mechatronics

Advanced Science, EarlyView.
3D‐printed magnetoelectronics integrate high‐performance magnetic field sensing directly into complex structural components. Flexible spring and cross‐shaped sensors exhibit giant magnetoimpedance and 3D Hall sensing for vector field reconstruction. Applications include smart‐home switches, robotic joysticks, volumetric magnetometers, and self‐aware 4D‐
Eduardo Sergio Oliveros‐Mata, Anna Martin Vilardell, Fabian Ganss, Christoph Leyens, Lukas Stepien, Denys Makarov   +5 more
wiley   +1 more source