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- W2550114412 abstract "Many developed countries have experienced substantial growth in consumer, that is, uncollateralized, credit over the last two decades. Part of this growth has been driven by technological changes, such as the ability of banks to have automated evaluations of loan applicants (credit scoring), lowered entry barriers due to internet technology, and the emergence of internet-based market places for banks. The uptake of different types of credit varies greatly across the income distribution. This is likely to have consequences for households’ responsiveness to financial shocks, for example shocks to interest rates and the supply of credit. In this article we briefly describe how web-based intermediation of credit to households works. Using data from a Swedish internet-based marketplace for consumer credit we provide some descriptive statistics on how much credit households apply for and what quantities, durations and interest rates they are offered." @default.
- W2550114412 created "2016-11-30" @default.
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- W2550114412 date "2014-01-01" @default.
- W2550114412 modified "2023-09-27" @default.
- W2550114412 title "Online Intermediation and the Terms of Consumer Credit" @default.
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