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Financial literacy and its influence on internet banking behaviour

Andreou, Panayiotis C. - 2020

This paper presents the survey results for financial literacy among Cypriot adults and reportstheir financial aptitude and behaviour. Additionally, it investigates for the first time theimplications of financial literacy on respondents' usage of digital financial services, particularlyinternet...

Persistent link: https://www.econbiz.de/10012846359

Financial Literacy and its Influence on Consumers’ Internet Banking Behaviour

Anyfantaki, Sofia; Andreou, Panayiotis C. - 2022

This study examines the level and antecedents of financial literacy and investigates its influence on consumers’ internet banking behaviour. The focus is on Cyprus, a country that experienced an unprecedented financial crisis in 2013 that caused an enormous shrinkage of the banking sector....

Persistent link: https://www.econbiz.de/10013492302

Financial literacy for financial resilience : evidence from Cyprus during the pandemic period

Andreou, Panayiotis C.; Anyfantaki, Sofia; Atkinson, Adele - 2023

This study takes Cyprus as a case country to examine the role of financial literacy for financial resilience in the pandemic period. Responses to the survey questions to assess the level of financial literacy show that in 2021 less than 4 out of 10 respondents had a good financial knowledge...

Persistent link: https://www.econbiz.de/10014351441

Financial Literacy for Financial Resilience : Evidence From Cyprus During the Pandemic Period

Andreou, Panayiotis C.; Anyfantaki, Sofia; Atkinson, Adele - 2023

Persistent link: https://www.econbiz.de/10014258560

Borrowing Decisions of Credit Constrained Consumers and the Role of Financial Literacy

Chatterjee, Swarn - 2015

This study uses the 2009 Financial Capability Study dataset to examine the association between individuals' financial literacy and their costly borrowing decisions. The results indicate that financial literacy is indeed negatively associated with costly borrowing behaviors. Other factors such as...

Persistent link: https://www.econbiz.de/10013028007

Mortgages denominated in domestic and foreign currencies : simple models

Király, Júlia; Simonovits, András - 2015

After the short temporary popularity of foreign currency denominated (FXD) loans, during the Great Financial and Economic Recession (2007- 2013), the burden of these loans has become unaffordable for a lot of borrowers in East Central Europe. We have designed a family of simple models to compare...

Persistent link: https://www.econbiz.de/10010481775

Unemployment, negative equity, and strategic default

Gerardi, Kristopher; Herkenhoff, Kyle F.; Ohanian, Lee E.; … - 2013

defaulters have both negative equity and enough liquid or illiquid assets to make one month's mortgage payment. This finding …

Persistent link: https://www.econbiz.de/10009778409

The role of technology in mortgage lending

Fuster, Andreas; Plosser, Matthew; Schnabl, Philipp; … - 2018

Technology-based ("FinTech") lenders increased their market share of U.S. mortgage lending from 2 percent to 8 percent … from 2010 to 2016. Using market-wide, loan-level data on U.S. mortgage applications and originations, we show that FinTech … lenders process mortgage applications about 20 percent faster than other lenders, even when controlling for detailed loan …

Persistent link: https://www.econbiz.de/10011795430

Financial inclusion, financial regulation, and financial education in Thailand

Tambunlertchai, Kanittha - 2015

This paper addresses the issue of financial inclusion in Thailand through the lens of an institutional analysis, which takes into consideration the desired outcomes, the service providers and enabling agencies, and the regulatory context that shape the existing provision of financial inclusion...

Persistent link: https://www.econbiz.de/10011305373

Overview of financial inclusion, regulation, and education

Yoshino, Naoyuki; Morgan, Peter J. - 2016

, mainly in India and the People's Republic of China. This paper surveys the experiences of advanced and emerging economies …

Persistent link: https://www.econbiz.de/10011540468