This research investigates efficiency differences between two important financial approaches that credit card companies use to attract customers. Since the cash-back offer has been already investigated by previous studies, this study focuses upon the balance transfer offer and then compares them...

This paper examines digital finance usage in the UK, US, India and Nigeria. Using data from the global financial development indicators, the findings reveal that the UK and US have higher digital finance usage than India and Nigeria. The US has higher credit card usage compared to the UK while...

This paper uses a dataset from one of the largest credit card issuers in Brazil to investigate the extent of credit constraints for one of the world's largest emerging market economies. In order to deal with the endogeneity problem from an observational dataset, an identification strategy based...

A wide range of recent studies are focusing on current issues of financial fraud, especially concerning cybercrimes. The reason behind this is even with improved security, a great amount of money loss occurs every year due to credit card fraud. In recent days, ATM fraud has decreased, while...

Aim of this study was to assess the annual social cost of air pollution impact on health of Warsaw population. The study consisted of three main parts, i.e. the determination of Warsaw citizens' exposure to air pollution, the quantification of the health effect as a result of this exposure and...