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The role of rental income, real estate and rents for inequality in Germany

Bartels, Charlotte; Schroeder, Carsten - 2020

housing wealth to net wealth inequality between 2002 and 2017 in Germany by means of a factor decomposition. Further, we … differentiate by region types (urban vs. rural, large vs. small municipalities) and federal states. We find that housing wealth … explains an increasing share of income inequality; and that the wealth inequality contribution of primary residence has …

Persistent link: https://www.econbiz.de/10014459461

How consumers pay: Adoption and use of payments

Schuh, Scott; Stavins, Joanna - 2012

Using data from a nationally representative survey on consumer payment behavior, we estimate Heckman two-stage regressions on the adoption and use of seven different payment instruments. We find that the characteristics of payments are important in determining consumer payment behavior, even...

Persistent link: https://www.econbiz.de/10010343358

Integrated household surveys: An assessment of U.S. methods and an innovation

Samphantharak, Krislert; Schuh, Scott; Townsend, Robert M. - 2017

We present a vision for improving household financial surveys by integrating responses from questionnaires more completely with financial statements and combining them with payments data from diaries. Integrated household financial accounts - balance sheet, income statement, and statement of...

Persistent link: https://www.econbiz.de/10012059581

Are information disclosure mandates effective? Evidence from the credit card market

Elizondo, Alan; Seira, Enrique - 2014

Consumer protection in financial markets in the form of information disclosure is high on governments agendas, despite the fact that the empirical evidence on its effectiveness is scarce. To measure the impact of Truth-in-Lending-Act-type disclosures on default and indebtedness, as well as of...

Persistent link: https://www.econbiz.de/10011445078

Can't pay or won't pay? Unemployment, negative equity, and strategic default

Gerardi, Kristopher; Herkenhoff, Kyle F.; Ohanian, Lee E.; … - 2015

strategic default. Wealth data suggest a limited scope for strategic default, with only one-third of underwater defaulters …

Persistent link: https://www.econbiz.de/10011460697

How does liquidity affect consumer payment choice?

Stavins, Joanna - 2019

We measure consumers' readiness to face emergency expenses. Based on data from a representative survey of US consumers, we find that financial readiness varies widely across consumers, with lowest-income, least-educated, unemployed, and black consumers most likely to have $0 saved for emergency...

Persistent link: https://www.econbiz.de/10012388943

Has COVID changed consumer payment behavior?

Greene, Claire; Merry, Ellen; Stavins, Joanna - 2021

The COVID-19 pandemic has caused large changes in consumer spending, including how people make their payments. We use data from a nationally representative survey of U.S. consumers collected before COVID in 2018 and 2019 and during COVID in 2020 to analyze changes in consumer payment behavior...

Persistent link: https://www.econbiz.de/10012882644

Consumer payment choice for bill payments

Greene, Claire; Stavins, Joanna - 2020

Why do US consumers pay their bills the way they do? Using data from a recent diary of consumer payment behavior, we find that the type of bill consumers are paying and how they are paying (online or automatically) are important factors in determining the payment method, in addition to the...

Persistent link: https://www.econbiz.de/10012606348

Payments evolution from paper to electronic: Bill payments and purchases

Stavins, Joanna - 2021

Consumer payments in the United States gradually have been shifting away from paper checks for the past several years. Cash use has declined as well, although at a much slower pace. As the number of check payments has decreased, those payments have been replaced with electronic and card...

Persistent link: https://www.econbiz.de/10012606364

Payments evolution from paper to electronic payments by merchant type

Cohen, Ruth; Shy, Oz; Stavins, Joanna - 2022

The use of paper instruments-cash and checks-has been declining in the United States, and consumers have been gradually replacing paper with cards and electronic payments. Stavins (2021) examines the evolution of payments from paper to cards and electronic payments, while Shy (2020) shows the...

Persistent link: https://www.econbiz.de/10014304777

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