Results 231 to 240 of about 1,287,610 (291)
Credit Card Usage among Students: Evidence from a Survey of FHSU Students
, 2008 Kathleen Arano
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IEEE Transactions on Computational Social Systems, 2023
With the popularity of credit cards worldwide, timely and accurate fraud detection has become critically important to ensure the safety of their user accounts.
Yu Xie +4 more
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With the popularity of credit cards worldwide, timely and accurate fraud detection has become critically important to ensure the safety of their user accounts.
Yu Xie +4 more
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SSRN Electronic Journal, 2009 Abstract This paper evaluates the presence of racial disparities in the issuance of consumer credit. Using a database of credit histories, I link location-based information on race with individual credit files. After controlling for place-specific factors such as housing vacancy rates and general population demographics, I find qualitatively large ...
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Staff Reports (Federal Reserve Bank of New York)
Credit card interest rates, the marginal cost of consumption for nearly half of households, currently average 23 percent, far exceeding the rates on any other major type of loan or bond. Why are these rates so high? To understand this, and the economics of credit card banking more generally, we analyze regulatory account-level data on 330 million ...
Itamar Drechsler +4 more
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Credit card interest rates, the marginal cost of consumption for nearly half of households, currently average 23 percent, far exceeding the rates on any other major type of loan or bond. Why are these rates so high? To understand this, and the economics of credit card banking more generally, we analyze regulatory account-level data on 330 million ...
Itamar Drechsler +4 more
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Private Information and Price Regulation in the US Credit Card Market
EconometricaThe 2009 CARD Act limited credit card lenders' ability to raise borrowers' interest rates on the basis of new information. Pricing became less responsive to public and private signals of borrowers' risk and demand characteristics, and price dispersion ...
Scott Nelson
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SSRN Electronic Journal
Utilizing near real-time QuickBooks data from over 1.6 million small businesses and a targeted survey, this paper highlights the critical role credit card financing plays for small business activity. We examine a two year period beginning in January of 2021. A turbulent period during which, credit card usage by small U.S.
Akcigit, Ufuk +4 more
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Utilizing near real-time QuickBooks data from over 1.6 million small businesses and a targeted survey, this paper highlights the critical role credit card financing plays for small business activity. We examine a two year period beginning in January of 2021. A turbulent period during which, credit card usage by small U.S.
Akcigit, Ufuk +4 more
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Retail and Distribution Management, 1979
The British consumer may still like to hang on to his cash and may still harbour vaguely puritanical suspicions about credit cards, but there are indications that old habits, though they die hard, are nevertheless dying. In this article, Ingrid Hayles explains the benefits which the own‐brand credit card offers to even the smaller retailer in terms of ...
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The British consumer may still like to hang on to his cash and may still harbour vaguely puritanical suspicions about credit cards, but there are indications that old habits, though they die hard, are nevertheless dying. In this article, Ingrid Hayles explains the benefits which the own‐brand credit card offers to even the smaller retailer in terms of ...
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Sustained Credit Card Borrowing
SSRN Electronic Journal, 2019AbstractUsing a large panel of credit card accounts, we examine the dynamics of credit card borrowing and repayment in the United States and what these imply for the expected costs of credit card debt to consumers. Our analysis reveals that: (a) credit cards are predominantly used to borrow, (b) card debt is sustained for long periods and balances ...
Daniel Grodzicki, Sergei Koulayev
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Credit cards preferences of Islamic and conventional credit card
Journal of Islamic Marketing, 2015Purpose– The main aim of this paper is to identify whether certain consumers behave irrationally when it comes to select banking products. This paper builds on one of the most significant banking products that is the credit card.Design/methodology/approach– This is an exploratory research paper.
Nuradli Ridzwan Shah Mohd Dali +2 more
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