In three empirical essays, this dissertation investigates changes in consumer behavior during the retirement transition. The data demonstrate that consumers are more likely to change brand and patronage preferences during the transition phase than in periods before and after. Furthermore, the...

Regulation is indispensable for the functioning of financial markets. After a decade of deregulation, financial regulation has come back into the focus of political discussion. This work reviews the effectiveness of existing and need for new regulation in two exemplary empirical studies. The...