payment, credit cards, debit cards, stored value, and e-cash. The paper surveys the literature; reports on the results of …

This paper empirically examines the benefits of relationship banking to banks, in the context of consumer credit … its credit card customers, we estimate the effects of relationship banking on the customers' default, attrition, and … savings balances, helps predict and thus monitor the behavior of the credit card account over time. These results imply …

importance of adverse selection and moral hazard in a consumer credit market using a new field experiment methodology derived … hazard effects on repayment, and thereby generates unique evidence on the existence and magnitudes of specific credit market … is due to asymmetric information problems. This helps explain the prevalence of credit rationing even in a market that …