IDEAS home Printed from https://ideas.repec.org/r/bla/randje/v44y2013i2p249-274.html
   My bibliography  Save this item

The impact of credit scoring on consumer lending

Citations

Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
as


Cited by:

  1. Rajkamal Iyer & Asim Ijaz Khwaja & Erzo F. P. Luttmer & Kelly Shue, 2016. "Screening Peers Softly: Inferring the Quality of Small Borrowers," Management Science, INFORMS, vol. 62(6), pages 1554-1577, June.
  2. Jason Allen & Robert Clark & Jean-François Houde, 2014. "Price Dispersion in Mortgage Markets," Journal of Industrial Economics, Wiley Blackwell, vol. 62(3), pages 377-416, September.
  3. Krivorotov, George, 2023. "Machine learning-based profit modeling for credit card underwriting - implications for credit risk," Journal of Banking & Finance, Elsevier, vol. 149(C).
  4. Seira Enrique & Castellanos Pascacio Sara Gabriela & Jiménez Hernández Diego J, 2015. "Bancarizing with Credit Cards: Experimental Evidence on Interest Rates and Minimum Payments Elasticities for New Clients," Working Papers 2015-11, Banco de México.
  5. Chandan Kumar Behera & Ritika Dadra, 2024. "Understanding young consumers’ attitude formation for new-age fintech credit products: an SOR framework perspective," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 964-978, September.
  6. Marc Cowling & Susan Marlow & Weixi Liu, 0. "Gender and bank lending after the global financial crisis: are women entrepreneurs safer bets?," Small Business Economics, Springer, vol. 0, pages 1-28.
  7. Alessandro Acquisti & Curtis Taylor & Liad Wagman, 2016. "The Economics of Privacy," Journal of Economic Literature, American Economic Association, vol. 54(2), pages 442-492, June.
  8. David Pla-Santamaria & Mila Bravo & Javier Reig-Mullor & Francisco Salas-Molina, 2021. "A multicriteria approach to manage credit risk under strict uncertainty," TOP: An Official Journal of the Spanish Society of Statistics and Operations Research, Springer;Sociedad de Estadística e Investigación Operativa, vol. 29(2), pages 494-523, July.
  9. Minkyung Kim & K. Sudhir & Kosuke Uetake & Rodrigo Canales, 2016. "Multidimensional Sales Incentives in CRM Settings: Customer Adverse Selection and Moral Hazard," Cowles Foundation Discussion Papers 2085, Cowles Foundation for Research in Economics, Yale University.
  10. Satyajit Chatterjee & Dean Corbae & Kyle Dempsey & José‐Víctor Ríos‐Rull, 2023. "A Quantitative Theory of the Credit Score," Econometrica, Econometric Society, vol. 91(5), pages 1803-1840, September.
  11. Li, Bin & Guo, Fei & Xu, Lei & Meng, Siqi, 2024. "Fintech business and corporate social responsibility practices," Emerging Markets Review, Elsevier, vol. 59(C).
  12. Yufei Xia & Xinyi Guo & Yinguo Li & Lingyun He & Xueyuan Chen, 2022. "Deep learning meets decision trees: An application of a heterogeneous deep forest approach in credit scoring for online consumer lending," Journal of Forecasting, John Wiley & Sons, Ltd., vol. 41(8), pages 1669-1690, December.
  13. Liran Einav & Amy Finkelstein & Raymond Kluender & Paul Schrimpf, 2016. "Beyond Statistics: The Economic Content of Risk Scores," American Economic Journal: Applied Economics, American Economic Association, vol. 8(2), pages 195-224, April.
  14. Yannelis, Constantine & Zhang, Anthony Lee, 2023. "Competition and selection in credit markets," Journal of Financial Economics, Elsevier, vol. 150(2).
  15. Walke, Adam G. & Fullerton, Thomas M. & Tokle, Robert J., 2018. "Risk-based loan pricing consequences for credit unions," Journal of Empirical Finance, Elsevier, vol. 47(C), pages 105-119.
  16. Richard Chamboko & Jorge M. Bravo, 2016. "On the modelling of prognosis from delinquency to normal performance on retail consumer loans," Risk Management, Palgrave Macmillan, vol. 18(4), pages 264-287, December.
  17. Marc Cowling & Susan Marlow & Weixi Liu, 2020. "Gender and bank lending after the global financial crisis: are women entrepreneurs safer bets?," Small Business Economics, Springer, vol. 55(4), pages 853-880, December.
  18. Arango, Luis E. & Cardona-Sosa, Lina, 2023. "Consumer credit in an emerging economy: Demand, supply, and liquidity restrictions," Emerging Markets Review, Elsevier, vol. 54(C).
  19. Laura Blattner & Scott Nelson & Jann Spiess, 2021. "Unpacking the Black Box: Regulating Algorithmic Decisions," Papers 2110.03443, arXiv.org, revised May 2024.
  20. Ashesh Rambachan, 2022. "Identifying Prediction Mistakes in Observational Data," NBER Chapters, in: Economics of Artificial Intelligence, National Bureau of Economic Research, Inc.
  21. Lei Lu & Jianxing Wei & Weixing Wu & Yi Zhou, 2023. "Pricing strategies in BigTech lending: Evidence from China," Financial Management, Financial Management Association International, vol. 52(2), pages 333-374, June.
  22. Stefany Moreno-Burbano & Andrés Vargas-Vargas & Juan Sebastián Vélez-Velásquez, 2019. "Interest rate dispersion in commercial loans," Borradores de Economia 1088, Banco de la Republica de Colombia.
  23. Nicolás de Roux, 2020. "Weather Variability, Credit Scores and Access to Credit: Evidence from Colombian Coffee Farmers," Documentos CEDE 17800, Universidad de los Andes, Facultad de Economía, CEDE.
  24. Jian Shi & Benlian Xu, 2016. "Credit Scoring by Fuzzy Support Vector Machines with a Novel Membership Function," JRFM, MDPI, vol. 9(4), pages 1-10, November.
  25. Murinde, Victor & Rizopoulos, Efthymios & Zachariadis, Markos, 2022. "The impact of the FinTech revolution on the future of banking: Opportunities and risks," International Review of Financial Analysis, Elsevier, vol. 81(C).
  26. Giraudet, Louis-Gaëtan & Petronevich, Anna & Faucheux, Laurent, 2021. "Differentiated green loans," Energy Policy, Elsevier, vol. 149(C).
  27. Natalie Cox, 2017. "Pricing, Selection, and Welfare in the Student Loan Market: Evidence from Borrower Repayment Decisions," Working Papers 2017-2, Princeton University. Economics Department..
  28. Cristina Demma, 2017. "Credit Scoring and the Quality of Business Credit During the Crisis," Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 46(2), pages 269-306, July.
  29. Tat Chan & Naser Hamdi & Xiang Hui & Zhenling Jiang, 2022. "The Value of Verified Employment Data for Consumer Lending: Evidence from Equifax," Marketing Science, INFORMS, vol. 41(4), pages 795-814, July.
  30. Nicolás de Roux, 2021. "Exogenous shocks, credit reports and access to credit: Evidence from colombian coffee producers," Documentos CEDE 19769, Universidad de los Andes, Facultad de Economía, CEDE.
  31. Jagtiani, Julapa & Lemieux, Catharine, 2018. "Do fintech lenders penetrate areas that are underserved by traditional banks?," Journal of Economics and Business, Elsevier, vol. 100(C), pages 43-54.
  32. Henrik Andersen & Ragnar E Juelsrud & Carola Müller, 2024. "Risk-based pricing in competitive lending markets," BIS Working Papers 1169, Bank for International Settlements.
  33. José María Liberti & Mitchell A Petersen, 2019. "Information: Hard and Soft," The Review of Corporate Finance Studies, Society for Financial Studies, vol. 8(1), pages 1-41.
  34. Eglė Jakučionytė & Swapnil Singh, 2023. "Emergence of subprime lending in minority neighborhoods," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 51(6), pages 1547-1583, November.
  35. Laura Blattner & Scott Nelson, 2021. "How Costly is Noise? Data and Disparities in Consumer Credit," Papers 2105.07554, arXiv.org.
  36. Santiago Carbó-Valverde & Sergio Mayordomo & Francisco Rodríguez-Fernández, 2018. "Disentangling the Effects of Household Financial Constraints and Risk Profile on Mortgage Rates," The Journal of Real Estate Finance and Economics, Springer, vol. 56(1), pages 76-100, January.
  37. Tetyana Balyuk, 2023. "FinTech Lending and Bank Credit Access for Consumers," Management Science, INFORMS, vol. 69(1), pages 555-575, January.
  38. Ma, Chao, 2020. "Per-customer quantity limit and price discrimination: Evidence from the U.S. residential mortgage market," International Journal of Industrial Organization, Elsevier, vol. 70(C).
  39. Igor Livshits, 2015. "Recent Developments In Consumer Credit And Default Literature," Journal of Economic Surveys, Wiley Blackwell, vol. 29(4), pages 594-613, September.
  40. Tali Bank & Nimrod Segev & Maya Shaton, 2023. "Relationship Banking and Credit Scores: Evidence from a Natural Experiment," Bank of Israel Working Papers 2023.05, Bank of Israel.
  41. José María Liberti & Mitchell A. Petersen, 2018. "Information: Hard and Soft," NBER Working Papers 25075, National Bureau of Economic Research, Inc.
  42. James Wang, 2020. "Screening soft information: evidence from loan officers," RAND Journal of Economics, RAND Corporation, vol. 51(4), pages 1287-1322, December.
  43. Miller, Sarah, 2015. "Information and default in consumer credit markets: Evidence from a natural experiment," Journal of Financial Intermediation, Elsevier, vol. 24(1), pages 45-70.
  44. Adair Morse, 2015. "Peer-to-Peer Crowdfunding: Information and the Potential for Disruption in Consumer Lending," NBER Working Papers 20899, National Bureau of Economic Research, Inc.
IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.