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 ...

In this paper we present a new mean–variance customer portfolio optimization algorithm for a class of ergodic finite controllable Markov chains. In order to have a realistic result we propose an iterated two-step method ...

This paper discusses the value creation sources of Mobile Payment concept into the Credit Card Chain. A case-study was developed based on the Transaction Cost Theory, Value Chain Analysis, RB V, Schumpeterian Innovation, ...

This article examines predictors of the financial well-being of female college students living in SAo Paulo or New York, focusing upon the relationship with their credit card use behaviour. The results of structural equation ...

College students frequently show they have little skill when it comes to using a credit card in a responsible manner. This article deals with this issue in an emerging market and in a pioneering manner. University students ...