Matches in SemOpenAlex for { <https://semopenalex.org/work/W2108754818> ?p ?o ?g. }
Showing items 1 to 58 of
58
with 100 items per page.
- W2108754818 abstract "In the data, most consumer defaults on unsecured credit are informal and the lending industry devotes significant resources to debt collection. We develop a new theory of credit card lending that takes these two features into account. The two key elements of our model are moral hazard and costly state verification that relies on the use of information technology. We show that the model gives rise to a novel channel through which IT progress can affect outcomes in the credit markets, and argue that this channel can be critical to understand the trends associated with the rapid expansion of credit card borrowing in the 1980s and over the 1990s. Independently, the mechanism of the model helps reconcile high levels of defaults and indebtedness observed in the US data." @default.
- W2108754818 created "2016-06-24" @default.
- W2108754818 creator A5018486726 @default.
- W2108754818 creator A5071091911 @default.
- W2108754818 date "2013-01-01" @default.
- W2108754818 modified "2023-10-16" @default.
- W2108754818 title "Modeling the Credit Card Revolution: The Role of Debt Collection and Informal Bankruptcy" @default.
- W2108754818 cites W1483061398 @default.
- W2108754818 cites W2106927999 @default.
- W2108754818 cites W2171036238 @default.
- W2108754818 cites W3122812329 @default.
- W2108754818 doi "https://doi.org/10.2139/ssrn.2255019" @default.
- W2108754818 hasPublicationYear "2013" @default.
- W2108754818 type Work @default.
- W2108754818 sameAs 2108754818 @default.
- W2108754818 citedByCount "6" @default.
- W2108754818 countsByYear W21087548182013 @default.
- W2108754818 countsByYear W21087548182014 @default.
- W2108754818 countsByYear W21087548182015 @default.
- W2108754818 countsByYear W21087548182016 @default.
- W2108754818 crossrefType "journal-article" @default.
- W2108754818 hasAuthorship W2108754818A5018486726 @default.
- W2108754818 hasAuthorship W2108754818A5071091911 @default.
- W2108754818 hasBestOaLocation W21087548182 @default.
- W2108754818 hasConcept C10138342 @default.
- W2108754818 hasConcept C120527767 @default.
- W2108754818 hasConcept C144133560 @default.
- W2108754818 hasConcept C145097563 @default.
- W2108754818 hasConcept C174957148 @default.
- W2108754818 hasConcept C2983355114 @default.
- W2108754818 hasConcept C504631918 @default.
- W2108754818 hasConcept C73283319 @default.
- W2108754818 hasConceptScore W2108754818C10138342 @default.
- W2108754818 hasConceptScore W2108754818C120527767 @default.
- W2108754818 hasConceptScore W2108754818C144133560 @default.
- W2108754818 hasConceptScore W2108754818C145097563 @default.
- W2108754818 hasConceptScore W2108754818C174957148 @default.
- W2108754818 hasConceptScore W2108754818C2983355114 @default.
- W2108754818 hasConceptScore W2108754818C504631918 @default.
- W2108754818 hasConceptScore W2108754818C73283319 @default.
- W2108754818 hasLocation W21087548181 @default.
- W2108754818 hasLocation W21087548182 @default.
- W2108754818 hasOpenAccess W2108754818 @default.
- W2108754818 hasPrimaryLocation W21087548181 @default.
- W2108754818 hasRelatedWork W2108754818 @default.
- W2108754818 hasRelatedWork W2287049213 @default.
- W2108754818 hasRelatedWork W2471332793 @default.
- W2108754818 hasRelatedWork W2768724684 @default.
- W2108754818 hasRelatedWork W2945791113 @default.
- W2108754818 hasRelatedWork W3121231669 @default.
- W2108754818 hasRelatedWork W3123332292 @default.
- W2108754818 hasRelatedWork W3125038737 @default.
- W2108754818 hasRelatedWork W3145932972 @default.
- W2108754818 hasRelatedWork W331625746 @default.
- W2108754818 isParatext "false" @default.
- W2108754818 isRetracted "false" @default.
- W2108754818 magId "2108754818" @default.
- W2108754818 workType "article" @default.