Payment card rewards programs and consumer payment choice [PDF]
Card payments have been growing very rapidly. To continue the growth, payment card networks keep adding new merchants and card issuers try to stimulate their existing customers’ card usage by providing rewards.
Andrew Ching, Fumiko Hayashi
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Multiple perspectives HMM-based feature engineering for credit card fraud detection
, 2019 Machine learning and data mining techniques have been used extensively in order to detect credit card frauds. However, most studies consider credit card transactions as isolated events and not as a sequence of transactions.
Caelen, Olivier +6 more
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Charging up a mountain of debt: households and their credit cards. [PDF]
I use the Surveys of Consumer Finances conducted in 1983, 1989 and 1992 to separate the growth of credit card debt into two categories, changes in the number of households with credit cards and changes in households credit card debt.
Peter S., Yoo
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Profiles, Use, and Perceptions of Singapore Multiple Credit Cardholders [PDF]
This study analyzes Singapore’s diverse cardholders in search of variations among demographic groups, credit card profiles, and their perceptions with regards to credit card ownership and use, it then discusses possible reasons governing Singaporeans ...
Hian Chye Koh +2 more
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THE CREDIT CARD FRAUD: INFLATION, CULTURE OF BORROWING AND RISING ECONOMIC INEQUALITY [PDF]
The use of credit card has become a fashion and a symbol of social status, but very few people understand the problems related with its use. Credit card is a tool of the practice of fractional reserve banking of today’s banking industry. This paper tries
Madhusudan Raj
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Influential Factors Contributing to College Student Spending Habits and Credit Card Debt [PDF]
, 2012 This paper explores how access to credit, familiarity with debt and financial education, socialization agents and social identities, academic performance, and financial aid and family income influence college student spending habits and credit card debt.
Leclerc, Kristi
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Uneven effects of monetary policy: Sectoral disparities in credit card spending
Central Bank ReviewThis paper investigates the effects of monetary policy on the credit card spending on different sectors. The investigation is based on a structural vector autoregression model, where sector-specific real credit card spending data (adjusted for inflation)
Hakan Yilmazkuday
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The accounting treatment of credit card rewards programmes: a South African perspective (Part 1)
Journal of Economic and Financial Sciences, 2017 Credit card rewards programmes are a common phenomenon in the South African market. On 1 July 2007 the International Accounting Standards Board (IASB) issued IFRIC 13 Customer Loyalty Programmes to give specific guidance to suppliers on the accounting ...
Sophia Brink
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The Regulation of the Credit Card Market in Turkey [PDF]
The rapid growth in Turkish credit card market brought together new issues. Card holders and consumer unions complain about the high interest rates, economists complain about the default rates and banks complain about the amnesties.
Aysan, Ahmet Faruk, Lerzan, Yildiz
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A Model of Money and Credit, with Application to the Credit Card Debt Puzzle [PDF]
Many individuals simultaneously have significant credit card debt and money in the bank. The so-called credit card debt puzzle is, given high interest rates on credit cards and low interest rates on bank accounts, why not pay down this debt? Economists
Irina A. Telyukova, Randall Wright
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