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Lending by numbers’: credit scoring and the constitution of risk within American consumer
consumer credit consumption credit scoring risk
2011/8/28
his paper examines how statistical credit-scoring technologies, sanctioned by the state in the interests of promoting equality, became applied by lenders to the problem of controlling levels of defaul...
Consumer credit card ownership and usage practices: empirical evidence from Sri Lanka
Consumer credit card ownership credit card usage credit cards
2011/8/26
Knowledge that has been accumulated through research efforts concerning credit card ownership and usage behaviour has been confined to Western societies. Given the importance of cross-national applica...
Do Credit Card Users Systematically Underestimate Their Interest Rates? Evidence from the Survey of Consumer Finances
bias credit cards interest rate optimism penalty rate
2011/8/22
This study examines credit card penalty pricing using data from the Survey of Consumer Finances. In particular, the author uses a flag in the data set for the first time to analyze bias in reported cr...
Beyond Disparate Impact: Risk-based Pricing and Disparity in Consumer Credit History Scores
Credit scoring Risk-based pricing expanding range of activities
2011/8/22
Despite the increasing importance of credit scoring to an expanding range of activities, very little is known about the nature of the credit scoring process. This article examines the interaction of c...
Consumer Credit: A Primer for Financial Service Professionals and Their Clients
financial crisis Responsibility and Disclosure credit card
2011/8/22
As a result of restricted lending following the recent financial crisis, implementation of the 2009 Credit Card Accountability, Responsibility and Disclosure (CARD) Act, and widespread changes in cred...
Consumer Credit: A Primer for Financial Service Professionals and Their Clients
Consumer Credit Financial Service Professionals financial crisis
2011/8/20
As a result of restricted lending following the recent financial crisis, implementation of the 2009 Credit Card Accountability, Responsibility and Disclosure (CARD) Act, and widespread changes in cred...
Effects of changes in the tax environment on the consumer demand for food
demand for food VAT income tax consumer demand dynamics evaluation of changes in demand
2014/2/27
The article describes in detail and applies the methodological approach to the conditions of the Czech markets; such an approach may be used in quantifying changes in the volume of consumer demand for...
Founded in 1974, the Journal of Consumer Research publishes scholarly research that describes and explains consumer behavior. Empirical, theoretical, and methodological articles spanning fields such a...
Uses and Gratifications Theory and E-Consumer Behaviors:A Structural Equation Modeling Study
Uses and Gratifications Theory E-Consumer Behaviors A Structural Equation Modeling Study
2009/12/2
Drawing from uses and gratifications theory, this study explores influences of informativeness, entertainment, and irritation on various online consumer behaviors such as attitude toward the Web, Web ...
Elasticity of consumer demand on pork meat in the Slovak Republic
pork meat demand regression analysis elasticity of demand consumer
2014/3/3
consumers are the starting point of the final product market vertical line. Their demand is a crucial factor in the
decisions about production – what to produce, how much, and what way. The aim of t...
Consumer Expenditure Distribution in India, 1983-2007: Evidence of a Long Pareto Tail
Consumer Expenditure Lognormal distribution Pareto distribution Gini coefficient
2010/11/3
This work presents a comprehensive study of the evolution of the expenditure distribution in In-dia. The consumption process is theoretically modeled based on certain physical assumptions. The propose...
Emergence of product differentiation from consumer heterogeneity and asymmetric information
Emergence product differentiation consumer heterogeneity asymmetric information
2010/12/17
We introduce a fully probabilistic framework of consumer product choice based on quality assessment. It allows us to capture many aspects of marketing such as partial information asymmetry, quality di...
Factors influencing consumer behaviour
consumer behaviour purchase decision making commodity groups interference factors
2014/3/10
The main aim of the article is to understand the influence of factors biasing purchase decisions connected with measurement of consumers’ involvement. Consumption expenditures are purposefully subdivi...
Factors influencing the consumer behaviour when buying food
consumer behaviour consumer units marketing research factor analysis chi-quadrate
2014/3/20
The paper analyses buying behaviour of Czech consumer units on the market with food. Authors present the factors that can influence significantly this behaviour, e.g. price, brand, quality, product at...
Bronson Sponsors Resolution Supporting National Consumer Protection Week
consumer protection
2007/2/7
01-30-2007，TALLAHASSEE - Florida Department of Agriculture and Consumer Services Commissioner Charles H. Bronson is urging people to be proactive in getting and sharing information about consumer prot...