Results 251 to 260 of about 456,242 (287)
Affordable Care Act Medicaid expansion, access to health care, and financial behavior of the United States adults. [PDF]
J Public Health PolicyBin Abdul Baten R, Noman A, Rahman MN.
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An interpretable model based on concept and argumentation for tabular data. [PDF]
Sci RepChi H, Wang D, Liao B, Cui G, Mao F.
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Optimizing credit card fraud detection with random forests and SMOTE.
Sci RepSundaravadivel P +5 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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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
openaire +3 more sources
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
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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