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Market discipline across bank governance models : empirical evidence from German depositors

Arnold, Eva; Größl, Ingrid; Koziol, Philipp - 2015

German savers are renowned for preferring safe, long-term investments, thus providing patient capital, with bank deposits playing an important role. Using a comprehensive data set for the German banking sector, we examine whether German depositors are really that patient, abstaining from any...

Persistent link: https://www.econbiz.de/10011285397

Many a little makes a mickle : macro portfolio stress test for small and medium-sized German banks

Busch, Ramona; Koziol, Philipp; Mitrovic, Marc - 2015

We develop a macroeconomic portfolio stress test that is specifically geared towards small and medium-sized banks. We combine a credit risk stress test which simulates credit impairments via a CreditMetrics type multi-factor portfolio model with an income stress test in the form of dynamic panel...

Persistent link: https://www.econbiz.de/10011308474

Transparent app design reduces excessive usage time and increases willingness to pay compared to common behavioral design - a framed field experiment

Timko, Christina; Adena, Maja - 2023

Smartphone app designers often use behavioral design to influence users, increase sales, and boost advertising revenue. Behavioral design relies on elements ranging from app appearance to black-box algorithms and personalization. It commonly exploits behavioral biases, such as the lack of...

Persistent link: https://www.econbiz.de/10014294136

Entry regulation and entrepreneurship : empirical evidence from a German natural experiment

Rostam-Afschar, Davud - 2010

this reform on the probabilities of being self-employed and transition into and out of self-employment, using cross …

Persistent link: https://www.econbiz.de/10008665439

Rates of return and early retirement disincentives : evidence from a German pension reform

Lüthen, Holger - 2014

undergoing fundamental reforms in many Western countries. Starting with cohort 1937, Germany introduced permanent pension … background of this reform for cohorts 1935-1945. I measure the profitability with the internal rate of return (IRR) and use high … that the deductions introduced by the reform only cause some part of this trend. The majority of the trend, about 75 …

Persistent link: https://www.econbiz.de/10010362934

Maxi-Arbeitsangebotseffekte oder zusätzliche Arbeitslose durch Mini- und Midi-Jobs?

Arntz, Melanie; Feil, Michael; Spermann, Alexander - 2003

Persistent link: https://www.econbiz.de/10001877222

Reforming social welfare as we know it? : a microsimulation study for Germany

Steiner, Viktor - 2003

Persistent link: https://www.econbiz.de/10013428565

Wie lässt sich die gesetzliche Pflegeversicherung mit Hilfe personengebundener Budgets reformieren?

Arntz, Melanie - 2003

Persistent link: https://www.econbiz.de/10014461677

Imperfect information about consumer rights : implications for efficiency and distribution

Baumann, Florian; Friehe, Tim; Wenzel, Tobias - 2021

This paper shows that the provision of consumer rights can decrease welfare when some consumers remain ignorant of these rights. We find that consumers uninformed about a mandated warranty demand excessively safe products in some circumstances. In other circumstances, uninformed consumers buy...

Persistent link: https://www.econbiz.de/10012793595

Consumer protection code and the digitalisation of financial services

Central Bank of Ireland - 2017

Persistent link: https://www.econbiz.de/10012418376

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