Lenders can tap into multiple sources of private information to assess consumer credit risk but little is known about the informational synergies between these sources. Using unique panel data on checking accounts and ...

We propose a credit risk model for consumer loan portfolios in Brazil. Consumer profiles and the risk classification of credit operations are used to segment the portfolios. Credit loss distributions for each segment are ...

In many countries consumer credit legislation provides for the extension of liability for product failure to the …nancial institution that advances credit to the consumer. In particular, lender liability is imposed on those ...

Consumer credit regulations usually require that lenders disclose interest rates. However, in the absence of specific prominence requirements, lenders can conceal the interest rate in the fine print while still complying ...

This paper utilizes Brazilian data to investigate interest-rate sensitivity and informational issues associated with the credit demand of the middle-income class in a large emerging economy. This study's data were collected ...

The present study aimed to verify the effect of disclosure of credit terms in buying with in the propensity of individuals to consume this credit moderated by the debt literacy and the possibility of cash payment of the ...

The control through a credit policy defines the granting of credit, therefore being contextualized as the policy that determines the selection of credit, standards and terms of credit. The proposed work references two ...

Since the middle of the last decade, fintechs have represented a new alternative for financial solutions for Brazilian consumers. Technological advances, added to the increase in connectivity through the spread of ...

Since the middle of the last decade, fintechs have represented a new alternative for financial solutions for Brazilian consumers. Technological advances, added to the increase in connectivity through the spread of ...