We exploit contract-level data from Bosnia and Herzegovina to assess the impact of a new credit registry on the use of borrower collateral versus third-party guarantees. Among first-time borrowers, the introduction of mandatory information sharing leads to a shift from collateral to guarantees,...

We use the introduction of a U.S. commercial credit bureau to study when lenders adopt voluntary information sharing technology and the resulting consequences for competition and credit access. Our results suggest that lenders trade off access to new markets against heightened competition for...

Experts have been discussed in the literature concerning the role of transferring knowledge to client firms and private customers. Nevertheless, only limited evidence has been presented concerning the clients’ internal perspective in particular on the degree of information. Seven papers are...