Using data from the Survey on Italian Households' Income and Wealth gathered by the Bank of Italy, I test the effect of soft and hard information on households' probability of becoming insolvent during the crisis. I find that both help in reducing defaults, but the effect of hard information is...

This book provides a comprehensive outlook on the state and role of consumer credits in the European economy and households. It underlines the role of consumerism and digitalisation, in the framework of legislation. It covers two major turns in consumer credit evolution: the 2008 crisis and...