We test the interest rate sensitivity of subprime credit card borrowers using a unique panel data set from a UK credit card company. What is novel about our contribution is that we were given details of a randomized interest rate experiment conducted by the lender between October 2006 and...

Recent years have been marked by a growing demand of personal data for public security purposes. Access and protection of those data are climbing the transatlantic political agenda. They have raised tensions and fostered forms of cooperation. The possible conclusion of an international binding...