Scheuch, Christoph; D'Acunto, Francesco; Rauter, Thomas; … - In: Essays on FinTech, (pp. 75-116, 135-145). 2020
, and motives through a FinTech application. Users increase their spending permanently, lower their savings rate, and … precautionary savings motives: Liquid users behave as if they faced strong precautionary savings motives even though no observables …