Similar Search Results

The Data Privacy Paradox and Digital Demand

Chen, Long; Huang, Yadong; Ouyang, Shumiao; Xiong, Wei - National Bureau of Economic Research - 2021

A central issue in privacy governance is understanding how users balance their privacy preferences and data sharing to satisfy service demands. We combine survey and behavioral data of a sample of Alipay users to examine how data privacy preferences affect their data sharing with third-party...

Persistent link: https://www.econbiz.de/10012533403

Branch Expansion versus Digital Banking : The Dynamics of Growth and Inequality in a Spatial Equilibrium Model

Ji, Yan; Teng, Songyuan; Townsend, Robert M. - National Bureau of Economic Research - 2021

We develop a heterogeneous-agent model with local spatial markets to study the relationships among bank expansion, growth, and inequality. In the model, households choose their occupations, consumption, and holdings of loans and portfolio assets that vary by liquidity. Banks choose the locations...

Persistent link: https://www.econbiz.de/10012496136

The Big Tech Lending Model

Liu, Lei; Lu, Guangli; Xiong, Wei - National Bureau of Economic Research - 2022

By comparing uncollateralized business loans made by a big tech lending program with conventional bank loans, we find that big tech loans tend to be smaller and have higher interest rates and that borrowers of big tech loans tend to repay far before maturity and borrow more frequently. These...

Persistent link: https://www.econbiz.de/10013334379

Strategic Incompatibility in ATM Markets

Knittel, Christopher R. - 2006

We test whether firms use incompatibility strategically, using data from ATM markets. High ATM fees degrade the value of competitors' deposit accounts, and can in principle serve as a mechanism for siphoning depositors away from competitors or for creating deposit account differentiation. Our...

Persistent link: https://www.econbiz.de/10012466057

Incompatibility, Product Attributes and Consumer Welfare : Evidence from ATMs

Knittel, Christopher R. - 2004

Incompatibility in market with network effects reduces consumers' ability to "mix and match" components offered by different sellers, but can also spur changes in product attributes that might benefit consumers. In this paper, we estimate the effects of incompatibility on consumers in a classic...

Persistent link: https://www.econbiz.de/10012467725

The Digital Privacy Paradox : Small Money, Small Costs, Small Talk

Athey, Susan - 2017

'Notice and Choice' has been a mainstay of policies designed to safeguard consumer privacy. This paper investigates distortions in consumer behavior when faced with notice and choice which may limit the ability of consumers to safeguard their privacy using field experiment data from the MIT...

Persistent link: https://www.econbiz.de/10012455193

Privacy and Innovation

Goldfarb, Avi - 2011

Information and communication technology now enables firms to collect detailed and potentially intrusive data about their customers both easily and cheaply. This means that privacy concerns are no longer limited to government surveillance and public figures' private lives. The empirical...

Persistent link: https://www.econbiz.de/10012461534

Understanding Bank Runs : The Importance of Depositor-Bank Relationships and Networks

Iyer, Rajkamal - 2008

We use a unique, new, database to examine micro depositor level data for a bank that faced a run. We use minute-by-minute depositor withdrawal data to understand the effectiveness of deposit insurance, the role of social networks, and the importance of bank-depositor relationships in influencing...

Persistent link: https://www.econbiz.de/10012464366

Can Financial Incentives Help People Trying to Establish New Habits? Experimental Evidence with New Gym Members

Carrera, Mariana - 2017

We conducted a randomized controlled trial testing the effect of modest incentives to attend the gym among new members of a fitness facility, a population that is already engaged in trying to change a health behavior. Our experiment randomized 836 new members of a private gym into a control...

Persistent link: https://www.econbiz.de/10012455115

Trust and Health Care-Seeking Behavior

Darden, Michael; Macis, Mario - National Bureau of Economic Research - 2024

expressing health care-seeking behavior as a function of economic and behavioral fundamentals and highlighting the role of trust …. We report several findings. First, we document a strong association between higher levels of trust in the health care … scenarios, from routine check-ups to vaccinations. Second, the impact of trust on health care utilization is similar in …

Persistent link: https://www.econbiz.de/10014468228

1
2
3
4
5
6
7
8
9
10
Next
Last