The paper focuses on the profitability of the consumer credit industry in Europe. Using consumer credit companies’ financial statement data, we investigate the effect of firm-specific and market-specific factors on the profitability of a sample of French, German, Italian and Spanish consumer...

The postal systems in Europe, as well as in other industrialised and non industrialised countries, are currently undergoing radical changes in their institutional set-up, competitive behaviors, productive and distributive processes, range of services offered. The study of these changes and of...