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The Determinants of the Global Digital Divide : A Cross-Country Analysis of Computer and Internet Penetration

Chinn, Menzie D. - 2004

To identify the determinants of cross-country disparities in personal computer and Internet penetration, we examine a … significant in most specifications for computer use. A similar pattern holds true for Internet use, except that telephone density … differentials. For computers, telephone density and regulatory quality are of second and third importance, while for the Internet …

Persistent link: https://www.econbiz.de/10012468005

FinTech Adoption Across Generations : Financial Fitness in the Information Age

Carlin, Bruce - 2017

This paper analyzes how better access to financial information via new technology changes use of consumer credit and affects financial fitness. We exploit the introduction of a smartphone application for personal financial management as a source of exogenous variation. FinTech adoption reduces...

Persistent link: https://www.econbiz.de/10012453913

Organization and Inequality in a Knowledge Economy

Garicano, Luis - 2005

We present a theory of the organization of work in an economy where knowledge is an essential input in production: a knowledge economy. In this economy a continuum of agents with heterogeneous skills must choose how much knowledge to acquire and may produce on their own or in organizations. Our...

Persistent link: https://www.econbiz.de/10012467222

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

Who Are the Hand-to-Mouth?

Aguiar, Mark A. - 2020

Many households hold little wealth, especially liquid wealth. In precautionary savings models, absent preference heterogeneity, these households should display not only higher marginal propensities to consume (MPCs), but also lower average propensities to consume (APCs) and higher future...

Persistent link: https://www.econbiz.de/10012479167

The Consumption Response to Seasonal Income : Evidence from Japanese Public Pension Benefits

Stephens, Melvin, Jr - 2010

Japanese public pension benefits, which were distributed quarterly through February 1990 and every other month since then, induce substantial but predictable income fluctuations. The relative magnitude of the payments combined with the delay between payments yields a stronger test of the...

Persistent link: https://www.econbiz.de/10012462314

Household Debt Overhang Did Hardly Cause a Larger Spending Fall during the Financial Crisis in Australia

Svensson, Lars E. O. - National Bureau of Economic Research - 2021

The "debt-overhang hypothesis" - that households cut back more on their spending in a crisis when they have higher levels of outstanding mortgage debt (Dynan, 2012) - seems to be taken for granted by macroprudential authorities in several countries in their policy decisions, as well as by the...

Persistent link: https://www.econbiz.de/10012533325

The Wealthy Hand-to-Mouth

Kaplan, Greg - 2014

accounts). We use survey data on household portfolios for the U.S., Canada, Australia, the U.K., Germany, France, Italy, and …

Persistent link: https://www.econbiz.de/10012458591

The Stench of Failure : How Perception Affects House Prices

Cortés, Kristle; Singh, Mandeep; Solomon, David H.; … - National Bureau of Economic Research - 2022

In Australian real estate markets, about a third of properties are sold at auction. We show that properties that fail auctions sell later for a 2.6% discount. This effect increases for properties failing multiple auctions and when no bids are made. Consistent with a causal channel, the effect...

Persistent link: https://www.econbiz.de/10013477252

Do We Have A New E-Conomy?

Baily, Martin N. - 2001

Used properly, the term 'new e-conomy' is warranted. Since 1995, there has been a wave of innovation associated with both the production and use of information technology that has been translated into improved US economic performance. In particular, there has been a substantial acceleration in...

Persistent link: https://www.econbiz.de/10012470481

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