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Who Gains and Who Loses from Credit Card Payments?
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. The payment instrument transfer also induces a regressive transfer from low-income to high-income households in general. The authors build and calibrate a model of consumer payment choice to compute the effects of merchant fees and card rewards on consumer welfare. Reducing merchant fees and card rewards would likely increase consumer welfare.
Delinquent
The time before the debt machine -- How the machine was built -- The debtor class -- A broken net -- The quickest levers -- Divergent -- A fair deal -- The last frontier -- Transformational lending -- Appendix A : About my research process -- Appendix B : Advice for consumers.
Official Register
None
Monthly Labor Review
Publishes in-depth articles on labor subjects, current labor statistics, information about current labor contracts, and book reviews.
Monthly Labor Review
Publishes in-depth articles on labor subjects, current labor statistics, information about current labor contracts, and book reviews.
Intra-regional economic integration
Die Wettbewerbsfähigkeit von Betrieben hängt aufgrund ihrer möglichen Einbettung in die regionalen Wirtschaftsstrukturen auch von den lokalen Bedingungen ab. Deswegen stehen Wirtschaftscluster bereits seit geraumer Zeit im Fokus der regionalökonomischen Forschung und der regionalen Wirtschaftspolitik. Wie können regionale Cluster identifiziert werden? Welche Rolle spielen Cluster im internationalen Standortwettbewerb? Von welchen Faktoren hängt die Kooperation zwischen Betrieben innerhalb eines Clusters ab? Und welche Auswirkungen auf Überlebenswahrscheinlichkeit und Beschäftigtenwachstum hat es, wenn sich Betriebe in Clustern positionieren? Diesen und anderen Fragen geht Nicole Litzel - gestützt auf Daten aus dem regionalen Informationssystem CORIS - am Beispiel der Wirtschaftsregionen Nürnberg und Ostbayern nach.
Technology Fears and Scapegoats
Technologies and tech companies are routinely accused of creating many societal problems. This book exposes these charges as mostly myths, falsehoods, and exaggerations. Technology Fears and Scapegoats debunks 40 widespread myths about Big Tech, Big Data, AI, privacy, trust, polarization, automation, and similar fears, while exposing the scapegoating behind these complaints. The result is a balanced and positive view of the societal impact of technology thus far. The book takes readers through the steps and mindset necessary to restore the West's belief in technological progress. Each individual chapter provides a cogent and often controversial rebuttal to a common tech accusation. The resul...
Rising to the Challenge
America's position as the source of much of the world's global innovation has been the foundation of its economic vitality and military power in the post-war. No longer is U.S. pre-eminence assured as a place to turn laboratory discoveries into new commercial products, companies, industries, and high-paying jobs. As the pillars of the U.S. innovation system erode through wavering financial and policy support, the rest of the world is racing to improve its capacity to generate new technologies and products, attract and grow existing industries, and build positions in the high technology industries of tomorrow. Rising to the Challenge: U.S. Innovation Policy for Global Economy emphasizes the i...
Household Finance
Household finance studies is a relatively recent field, exploring a growing understanding of how households make financial decisions relating to the functions of consumption, payment, risk management, borrowing and investing; how institutions provide goods and services to satisfy these financial functions of households; and how interventions by firms, governments and other parties affect the provision of financial services. This timely book analyses existing findings about household behavior as well as findings related to policy interventions. With international case studies, this book reviews a topic of global importance and brings a crucial up-to-date survey of the field for researchers and postgraduate students.
