In this paper, we investigate whether evidence of discriminatory treatment against immigrants in the Spanish mortgage …-Blinder decomposition to measure the extent to which this disparate treatment of lenders in mortgage pricing against immigrants is due to … discrimination. Our results indicate that approximately two thirds of the gap in the interest rate between Spanish born and immigrant …

We analyze the role of bank mergers as determinants of the evolution of branch presence at the county level. Panel …- and post-crisis. The results indicate that bank mergers contributed to the increase of branches in the pre-crisis period …

The majority of people in Sub-Saharan Africa does not have a basic bank account and are financially excluded from main … communities and households' demand for a basic bank account in Ghana. Using rural community based and household survey datasets …' demand for a bank account appears to be strongly driven by both market and non-market factors such as price, illiteracy …

This paper examines how the stock market affects discrimination in mortgage lending. Comparing banks that went public … through initial public offering or acquisition with similar banks that failed to go public, we find that mortgage denial rates … and interest rates for minority applicants decrease after a bank goes public, which remains robust to using a plausibly …

Technology has changed how discrimination manifests itself in financial services. Replacing human discretion with … algorithms in decision-making roles reduces taste-based discrimination, and new modeling techniques have expanded access to … human involvement in the development process, and their opacity and complexity can facilitate statistical discrimination …

Technology has changed how discrimination manifests itself in financial services. Replacing human discretion with … algorithms in decision-making roles reduces taste-based discrimination, and new modeling techniques have expanded access to … human involvement in the development process, and their opacity and complexity can facilitate statistical discrimination …

increase under discrimination because the platform often voluntarily lowers price(s) - sometimes on both sides - to attract … other users. Therefore, tightening anti-discrimination policies for platforms can increase price and decrease welfare …

We propose a model of discrimination in the market for mortgages. The model explains accepted loan applications and … likelihood methods. The data used for estimation is a sample of clients of a French network of mortgage lenders. We show the … presence of social discrimination in the data, the loan conditions depending, not only on the borrower's wage and downpayment …

keen interest in whether or not discrimination is appropriate from both company and societal viewpoints. This paper reviews … social and economic principles that can be used to assess the appropriateness of insurance discrimination. Discrimination … into principles. To sharpen understanding of the social and economic principles, this paper also describes discrimination …