The term "big data" has become an indispensable part of the corporate landscape. It refers to large volumes of data that originate from a wide variety of data sources (e.g., social media, assistance programs, surveillance cam-eras, or loyalty cards). Especially in recent years, the mass of data...

Innovative Technologien sind für Mitbestimmungsakteure ein wichtiges Thema, zu dem sie wissenschaftliche Expertise benötigen, um mitgestalten zu können. Das Working Paper dient vor allem dazu, relevante Trends frühzeitig zu erkennen und diese für eine prospektive Innovations- und...

This study aims to track the structural development of academic research on credit risk assessment and big data using bibliometric analysis. The bibliography is obtained from the Scopus database and contains all studies with citations published between 2012 and 2021. The study's findings suggest...

This paper attempts to first evaluate the effects of underground economy on the sustainability of tax receipts, and then to search new approaches in tax policy. Underground economy reduces predictability in economic policy, decreases tax receipts, and encourages illegal activities. In Turkey,...

Based on an unbalanced panel of all Bavarian cooperative banks for the years of 1989-95 which includes information on 243 mergers, we analyze motives for and cost effects of small-scale mergers in German banking. Estimating a frontier cost function with a time-variable stochastic efficiency term...

This paper presents evidence on the impact of managers on cost efficiency in banking. Stochastic frontier analysis is applied to a unique Finnish data set. The paper finds that manager age and education have strong yet complicated effects. University education enhances efficiency if the manager...

This paper verifies the impact of bank account information, such as information on deposits and withdrawals, that is not necessarily fully accounted for in conventional internal ratings and that can affect the accuracy of the default predictions of small and medium-sized enterprises (SMEs). The...

Financial innovation in the form of new delivery channels, products, and providers has helped push out the frontier of access to finance and thus increase the bankable and banked population. Mobile money and crowdfunding platforms are prime examples for this. The same financial innovation has...

Stablecoins rise to meet the demand for safe assets in decentralized finance. Stablecoin issuers transform risky reserve assets into tokens of stable values, deploying a variety of tactics. To address the questions on the viability of stablecoins, regulations, and the initiatives led by large...

Lack of privacy due to surveillance of personal data, which is becoming ubiquitous around the world, induces persistent conformity to the norms prevalent under the surveillance regime. We document this channel in a unique laboratory-the widespread surveillance of private citizens in East...