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Willingness to overpay for insurance and for consumer credit : search and risk behavior under price dispersion
Malakhov, Sergey - In: Expert journal of economics 2 (2014) 3, pp. 109-119
function takes the form of cubic parabola, where the risk aversion behavior ends at the saddle point of the comprehensive … the ambiguity of the departure from risk-neutrality. This ambiguity can produce the ordinary risk seeking behavior as well … as mathematical catastrophes of Veblen-effect's imprudence and over prudence of family altruism. The comeback to risk …
Persistent link: https://www.econbiz.de/10012062057
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Markets for heterogeneous products : a boundedly rational consumer model
Valente, Marco - 2009
The paper is based on the acknowledgement that properties of markets stemming from features of demand are too frequently overlooked in the economic literature, and a re-balancing is necessary to properly account for theoretical and empirical phenomena. We sustain that one of the most relevant...
Persistent link: https://www.econbiz.de/10008732415
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Banks’ consumer lending reaction to fintech and bigtech credit emergence in the context of soft versus hard credit information processing
Kowalewski, Oskar; Pisany, Paweł - 2021
We analyze competition in the consumer lending segment between banks and financial technology (or “fintech”) companies (or “fintechs”) as well as giant technology (or “bigtech”) companies (or “bigtechs”) providing alternative credit. We use a database combining banklevel...
Persistent link: https://www.econbiz.de/10013210905
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Impact of Marketplace Lending on Consumers' Future Borrowing Capacities and Borrowing Outcomes
Chava, Sudheer; Ganduri, Rohan; Paradkar, Nikhil; … - 2021
Using comprehensive credit bureau data, we document that consumers who borrow from marketplace lending (MPL) platforms have lower credit scores and higher default rates in the long run relative to observably similar applicants for bank loans. This underperformance of MPL borrowers is more...
Persistent link: https://www.econbiz.de/10013244949
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Should Defaults Be Forgotten? Evidence from Variation in Removal of Negative Consumer Credit Information
Bos, Marieke - 2014
Practically all industrialized economies restrict the length of time that credit bureaus can retain borrowers' negative credit information. There is, however, a large variation in the permitted retention times across countries. By exploiting a quasi-experimental variation in this retention time,...
Persistent link: https://www.econbiz.de/10013048956
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Social media : where customers air their troubles : how to respond to them?
Valdimar Sigurdsson; Larsen, Nils Magne; Hulda Karen … - In: Journal of innovation & knowledge : JIK 6 (2021) 4, pp. 257-267
Dissatisfied customers often use social media to voice their complaints effectively, and firms strive to find solutions about how to respond to publicly visible service failure posts. We add to the emerging literature on complaint handling via social media by examining how complaining customers...
Persistent link: https://www.econbiz.de/10012692355
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Perception is Everything : Risk Salience and FinTech Demand
Freed, Paul G.; Hackney, John - 2022
We examine the importance of perceived data security risk for FinTech use in the US residential mortgage market. We … confirm the baseline results. Overall, the findings suggest that the salience of data security risk is an important driver of …
Persistent link: https://www.econbiz.de/10014238795
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Defusing the risk of borrowing : the psychology of payment protection insurance decisions
Ranyard, Rob; McHugh, Sandie - In: Journal of economic psychology : research in economic … 33 (2012) 4, pp. 738-748
Persistent link: https://www.econbiz.de/10009663252
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Consumer default with complete markets : default-based pricing and finite punishment
Mateos-Planas, Xavier; Seccia, Giulio - In: Economic theory : official journal of the Society for … 56 (2014) 3, pp. 549-583
Persistent link: https://www.econbiz.de/10010388049
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Consumer default with complete markets : default-based pricing and finite punishment
Mateos-Planas, Xavier; Seccia, Giulio - 2013
extended model with an infinite horizon, idiosyncratic risk and more realistic assumptions is used to demonstrate the general …
Persistent link: https://www.econbiz.de/10010210815