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Social expertise: a new view to explain spatial divergences in personal consumer loan prices

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  • Jose Barrutia
  • Carmen Echebarria

Abstract

The objective of this paper is to explain geographical divergences in interest rates on personal loans to households using aggregated consumer knowledge-related metrics as predictors. The researchers quantitatively test their approach in countries in the Eurozone and in the Italian and Spanish regions. Social expertise explains between 69% and 84% of variance in household loan market prices at an international and inter-regional level. The approach taken is tested using real market data established after real service encounters and not published or recommended prices.

Suggested Citation

  • Jose Barrutia & Carmen Echebarria, 2008. "Social expertise: a new view to explain spatial divergences in personal consumer loan prices," The Service Industries Journal, Taylor & Francis Journals, vol. 30(11), pages 1803-1816, October.
    • Handle: RePEc:taf:servic:v:30:y:2008:i:11:p:1803-1816
    DOI: 10.1080/02642060802626808
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