Results 301 to 310 of about 625,874 (344)
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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Proceedings of the 2nd ACM Conference on Computer and communications security - CCS '94, 1994
This paper describes a communications networking technique for funds transfer which combines the privacy of cash transactions with the security, record-keeping and charging mechanisms of credit cards. The scheme uses a communications network and cryptographic protocols to separate information.
Steven H. Low +2 more
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This paper describes a communications networking technique for funds transfer which combines the privacy of cash transactions with the security, record-keeping and charging mechanisms of credit cards. The scheme uses a communications network and cryptographic protocols to separate information.
Steven H. Low +2 more
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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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Communications of the ACM, 2007
Decoding the magnetic attraction of criminals to swiping.
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Decoding the magnetic attraction of criminals to swiping.
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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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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 ...
openaire +1 more source
Consumer Rationality and Credit Cards
Journal of Political Economy, 1995Borrowing on credit cards at high interest rates might appear irrational. However, even low transactions costs can make credit cards attractive relative to bank loans. Credit cards also provide liquidity services by allowing consumers to avoid some of the opportunity costs of holding money.
Brito, Dagobert L, Hartley, Peter R
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Credit card transaction security
Proceedings of the 4th annual conference on Information security curriculum development, 2007With e-commerce accounting for a sharply increasing fraction of all business transactions conducted in the US, the need for reliable and secure online transactions using credit cards has never been greater. This paper explains the current techniques for assuring credit card security, describes recent trends, suggests how security methods could be ...
Jonathan M. Graefe +6 more
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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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Nursing Standard, 2001
HALF THE ward sisters and charge nurses in England should be using a credit card to spend their £5,000 ward environment budget by March next year, the health department says.
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HALF THE ward sisters and charge nurses in England should be using a credit card to spend their £5,000 ward environment budget by March next year, the health department says.
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