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Using mobile wallet and card transaction data from a leading Singapore bank, this paper studies the effect of a mobile wallet payment technology introduction in 2017 on business growth. We find the mobile wallet usage doubled after the new technology introduction, and the improved payment...
Persistent link: https://www.econbiz.de/10012906831
This paper uses a unique panel dataset of consumer financial transactions to study how consumers respond to an exogenous unanticipated income shock. Consumption rose significantly after the fiscal policy announcement: during the ten subsequent months, for each dollar received, consumers on...
Persistent link: https://www.econbiz.de/10013064215
This paper studies a largely overlooked and important segment of the mortgage market in explaining the recent financial crisis — the condominium loan market, which experienced a 15-fold increase in origination and constituted 15% of the overall residential loan originations from 2001 to 2007....
Persistent link: https://www.econbiz.de/10013065115
Using a comprehensive sample of credit card data from a leading Chinese bank, we find that government bureaucrats receive 16% higher credit lines than non-bureaucrats with similar income and demographics, but their accounts experience a significantly higher likelihood of delinquency and debt...
Persistent link: https://www.econbiz.de/10012923301
This paper exploits an administrative regulation in Singapore that allows individuals to withdraw between 10 to 30 percent of their pension savings at age 55. We find a large and highly significant increase in individuals' bank account balances within the first month of turning 55, which...
Persistent link: https://www.econbiz.de/10012937807