This paper proposes a conceptualization of factors that influence the ability of individuals to reduce their personal unsecured debt levels, especially credit card debt. As such the paper's conceptualization offers relationship lessons for bank marketers in the USA and the UK, where bank credit...

Capital acquisition has received increased attention as publicly-traded firms endured and are now slowly emerging from the financial crisis. Along those lines, we examine ten years of shelf offerings, from 1996 to 2005, as they offer a unique manner with which firms can enhance their capital...