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Showing results 1 to 10 of approximately 212.
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Working Paper
Consumer choice and merchant acceptance of payment media
Bolt, Wilko; Chakravorti, Sujit
(2008)
We study the ability of banks and merchants to influence the consumer's payment instrument choice. Consumers participate in payment card networks to insure themselves against three types of shocks -- income, theft, and their merchant match. Merchants choose which payment instruments to accept based on their production costs and increased profit opportunities. Our key results can be summarized as follows. The structure of prices is determined by the level of the bank's cost to provide payment services including the level of aggregate credit loss, the probability of theft, and the timing of ...
Working Paper Series
, Paper WP-08-11
Discussion Paper
Financial management tools and consumer confidence: chase blueprint
Santucci, Lawrence
(2015-10-13)
On March 10, 2015, the Payment Cards Center hosted a workshop on the development and performance of Blueprint, a set of money management features developed by JPMorgan Chase & Co. (Chase) and available with several of Chase?s credit cards. The workshop featured presentations by Thomas O?Donnell, managing director of Chase Consumer and Community Banking Quality, and Florian Egg-Krings, general manager of the Slate and Blueprint portfolios. O?Donnell discussed the development of Blueprint, a process that began during the financial crisis and the Great Recession of 2007?2009. Egg-Krings then ...
Consumer Finance Institute discussion papers
, Paper 15-4
Journal Article
Solving the mystery of high credit card rates
Pozdena, Randall
(1991)
FRBSF Economic Letter
Working Paper
The Credit Card Act and Consumer Finance Company Lending
Hannon, Simona; Elliehausen, Gregory E.
(2017-06-29)
The Credit Card Accountability and Disclosure Act (CARD Act) of 2009 restricted several risk management practices of credit card issuers. Using a quasi-experimental design with credit bureau data on consumer lending, we find evidence consistent with the hypothesis that the act??s restrictions on risk management practices contributed to a large decline in bank card holding by higher risk, nonprime consumers but had little effect on prime consumers. Looking at consumer finance loans, historically a source of credit for higher risk consumers, we find greater reliance on such loans by nonprime ...
Finance and Economics Discussion Series
, Paper 2017-072
Conference Paper
General discussion : Weiner-Wright : Interchange fees in various countries : developments and determinants
Brouwer, Hendrik J.
(2005-05)
Proceedings – Payments System Research Conferences
, Issue May
, Pages 65-72
Journal Article
Credit cards' benefits outweigh chance of ID theft
anonymous
(2005-10-04)
Financial Update
, Volume 18
, Issue Q 4
Conference Paper
Workshop overview
Barron, Patrick; Perrit, Henry H.; Vartanian, Thomas P.; Allen, Catherine
(1999)
Proceedings
, Paper 655
Journal Article
Statement to Congress, February 9, 1994 (credit and charge card legislation being considered in H.R.1842 and H.R.2175)
anonymous
(1994-04)
Federal Reserve Bulletin
, Issue Apr
, Pages 296-301
Discussion Paper
Adopting, using, and discarding paper and electronic payment instruments: variation by age and race
Mann, Ronald J.
(2011)
This paper uses data from the 2008 Survey of Consumer Payment Choice to discuss the adoption, use, and discarding of various common payment instruments. Using a nationally representative sample of individual-level data, it presents evidence in unparalleled detail about how consumers use different payment instruments. Most interestingly, it displays robust evidence of significant age- and race-related differences in payments choices. Among other things, it suggests that the range of payment instruments adopted and regularly used by blacks is narrower than that chosen by whites, presumably ...
Public Policy Discussion Paper
, Paper 11-2
Discussion Paper
Who gains and who loses from credit card payments?: theory and calibrations
Stavins, Joanna; Shy, Oz; Schuh, Scott
(2010)
Merchant fees and reward programs generate an implicit monetary transfer to credit card users from non-card (or ?cash?) users because merchants generally do not set differential prices for card users to recoup the costs of fees and rewards. On average, each cash-using household pays $151 to card-using households and each card-using household receives $1,482 from cash users every year. Because credit card spending and rewards are positively correlated with household income, the payment instrument transfer also induces a regressive transfer from low-income to high-income households in general. ...
Public Policy Discussion Paper
, Paper 10-3
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