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Optimal quality choice under uncertainty on market development

Tamini, Lota D. - Volkswirtschaftliche Fakultät, … - 2012

This paper analyzes the impact of risk and ambiguity aversion - Knightian uncertainty - on the choice of optimal … aversion while it is a non-monotonic function of the level of risk. For low levels of risk, the increase of product quality is … an efficient response. Up to certain threshold level of risk, risk and ambiguity aversion reduce the optimal quality …

Persistent link: https://www.econbiz.de/10011108902

Price of Delay in COVID-19 Lockdowns : Delays Spike Total Cases, Natural Experiments Reveal

Tellis, Gerard J. - 2020

Persistent link: https://www.econbiz.de/10012835049

Why Did US Governors Delay Lockdowns Against COVID-19? Disease Science vs Learning, Cascades, and Political Polarization

Tellis, Gerard J. - 2020

As COVID-19 ravaged the US in the first quarter of 2020, the US lacked a uniform mandatory policy for containing its spread. Governors facing enormous opposing pressures from businesses and medical professionals adopted various policies, especially lockdowns. The authors statistically analyze...

Persistent link: https://www.econbiz.de/10012837130

Banks’ consumer lending reaction to fintech and bigtech credit emergence in the context of soft versus hard credit information processing

Kowalewski, Oskar; Pisany, Paweł - 2021

We analyze competition in the consumer lending segment between banks and financial technology (or “fintech”) companies (or “fintechs”) as well as giant technology (or “bigtech”) companies (or “bigtechs”) providing alternative credit. We use a database combining banklevel...

Persistent link: https://www.econbiz.de/10013210905

Impact of Marketplace Lending on Consumers' Future Borrowing Capacities and Borrowing Outcomes

Chava, Sudheer; Ganduri, Rohan; Paradkar, Nikhil; … - 2021

Using comprehensive credit bureau data, we document that consumers who borrow from marketplace lending (MPL) platforms have lower credit scores and higher default rates in the long run relative to observably similar applicants for bank loans. This underperformance of MPL borrowers is more...

Persistent link: https://www.econbiz.de/10013244949

Rationality in the Consumer Credit Market : Choosing between Alternative and Mainstream Credit

Agarwal, Sumit - 2017

In this paper we study whether consumers optimally choose between formal and informal credit, using a unique panel dataset with all registered information available on consumers' behavior within the Swedish alternative and mainstream credit markets. Specifically, we analyze to what extent credit...

Persistent link: https://www.econbiz.de/10012975530

Should Defaults Be Forgotten? Evidence from Variation in Removal of Negative Consumer Credit Information

Bos, Marieke - 2014

Practically all industrialized economies restrict the length of time that credit bureaus can retain borrowers' negative credit information. There is, however, a large variation in the permitted retention times across countries. By exploiting a quasi-experimental variation in this retention time,...

Persistent link: https://www.econbiz.de/10013048956

Should defaults be forgotten? Evidence from variation in removal of negative consumer credit information

Bos, Marieke; Nakamura, Leonard I. - Federal Reserve Bank of Philadelphia - 2014

Practically all industrialized economies restrict the length of time that credit bureaus can retain borrowers’ negative credit information. There is, however, a large variation in the permitted retention times across countries. By exploiting a quasi-experimental variation in this retention...

Persistent link: https://www.econbiz.de/10010887127

Accept or Reject: Do Immigrants Have Less Access to Bank Credit? Evidence from Swedish Pawnshop Customers

Bos, Marieke - Linnaeus Center for Integration Studies (SULCIS), … - 2012

This paper studies to what extent immigrants have less access to main- stream credit than their native counterparts. For this purpose I use a large, unique data set with a panel of Swedish pawnshop customers. The data al- low me to investigate to what extent pawnshop customers actively apply for...

Persistent link: https://www.econbiz.de/10009421712

Social media: Where customers air their troubles : how to respond to them?

Larsen, Nils Magne; Alemu, Mohammed Hussen; Menon, R. … - In: Journal of Innovation & Knowledge (JIK) 6 (2021) 4, pp. 257-267

Dissatisfied customers often use social media to voice their complaints effectively, and firms strive to find solutions about how to respond to publicly visible service failure posts. We add to the emerging literature on complaint handling via social media by examining how complaining customers...

Persistent link: https://www.econbiz.de/10013266806