Results 121 to 130 of about 703,371 (257)
Central Bank Digital Currencies, Financial Inclusion, and Privacy: A Normative Perspective
Southern Economic Journal, EarlyView.ABSTRACT Central bank digital currencies (CBDCs) are a digital form of a nation's money, issued by its central bank. As opposed to other forms of digital money, such as electronic bank balances or cryptocurrencies, they are centrally managed legal tender.
Andrew Allison, Alexander William Salter
wiley +1 more source
Consumer Response to Changes in Credit Supply: Evidence from Credit Card Data [PDF]
This paper utilizes a unique new data set on credit card accounts to analyze how people respond to changes in credit supply. The data consist of a panel of several hundred thousand individual credit card accounts followed monthly for 24-36 months, from ...
Nicholas Souleles, David Gross
core
Who Takes High‐Earning CTE Pathways?
Southern Economic Journal, EarlyView.ABSTRACT Wage gaps across demographic groups in the U.S. labor market are well documented. A key question is the degree to which group‐based sorting into high‐ versus low‐paying occupations reflects underlying preferences, versus structural barriers or prior educational experiences.
Celeste K. Carruthers +6 more
wiley +1 more source
A model of credit limits and bankruptcy with applications to welfare and indebtedness [PDF]
This paper presents a macroeconomic model of unsecured consumer debt and default where credit conditions consist of pre-approved interest rates and borrowing limits, a feature of actual credit cards.
Mateos-Planas, Xavier
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Why Does Individualism Affect Economic Development: Is It Values, Policies, or Institutions?
Southern Economic Journal, EarlyView.ABSTRACT A substantial body of literature highlights the positive roles of individualism and economic freedom in fostering prosperity, and recent work links the two. This paper disentangles their contributions to economic development. In cross‐country data, we show that both are independently associated with per capita income, even after extensive ...
Lewis S. Davis +1 more
wiley +1 more source
The economics of interchange fees and their regulation : an overview [PDF]
Debit cards ; Credit ...
David S. Evans, Richard Schmalensee
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Quantum Machine Learning for Cybersecurity: A Taxonomy and Future Directions
Software: Practice and Experience, EarlyView.ABSTRACT Context The rapid increase in cyber threats, coupled with increasingly sophisticated attack strategies and the exponential growth of data in recent years, has exposed significant limitations in classical machine learning, rule‐based, and signature‐based defense mechanisms.
Siva Sai +5 more
wiley +1 more source
A discrete choice approach to model credit card fraud [PDF]
This paper analyses the demographic, socio-economics and banking specific determinants that influence the risk of fraud in a portfolio of credit cards. The data are from recent account archives for cards issued throughout Italy.
Paba, Antonello, Pulina, Manuela
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Generative AI—the Transgression of Technology
Systems Research and Behavioral Science, EarlyView.ABSTRACT This article offers a systems‐theoretical analysis of generative artificial intelligence (GenAI) grounded in Niklas Luhmann's sociology of technology. It addresses a central conceptual problem: How GenAI can be understood within a theoretical framework that has traditionally defined technology as a means of stabilising action through causal ...
Jesper Tække
wiley +1 more source
Systems Research and Behavioral Science, EarlyView.ABSTRACT This paper addresses a gap in the application of systems thinking to higher education programme design. We use the Complexity Theory of Outcome Creation (CTOC), a structured model for working in complexity, to analyse Simon Fraser University's Semester in Dialogue (SiD)—an innovative undergraduate programme applying the ideas of dialogic ...
Diane T. Finegood +2 more
wiley +1 more source