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The use and abuse of consumer credit: Application of psychological theory and research

Citations

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Cited by:

  1. Hayhoe, Celia Ray & Leach, Lauren & Turner, Pamela R., 1999. "Discriminating the number of credit cards held by college students using credit and money attitudes," Journal of Economic Psychology, Elsevier, vol. 20(6), pages 643-656, December.
  2. Büşra Alma Çallı & Erman Coşkun, 2021. "A Longitudinal Systematic Review of Credit Risk Assessment and Credit Default Predictors," SAGE Open, , vol. 11(4), pages 21582440211, November.
  3. Christoph Zaborowski & Peter Zweifel, 1999. "Getting Out of Debt: Garnishment of Wage in Whose Interest?," European Journal of Law and Economics, Springer, vol. 8(3), pages 207-230, November.
  4. 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.
  5. Rogers, Pablo & Rogers, Dany & Securato, José Roberto, 2015. "Sobre variáveis psicológicas em modelos de application scoring," RAE - Revista de Administração de Empresas, FGV-EAESP Escola de Administração de Empresas de São Paulo (Brazil), vol. 55(1), January.
  6. Lu Fan, 2021. "A Conceptual Framework of Financial Advice-Seeking and Short- and Long-Term Financial Behaviors: An Age Comparison," Journal of Family and Economic Issues, Springer, vol. 42(1), pages 90-112, March.
  7. Çankaya, Serkan & Ucal, Meltem & O'Neil, Mary, 2011. "Effects of gender on credit card usage among university students in Turkey," MPRA Paper 43657, University Library of Munich, Germany.
  8. Szabó-Morvai, Ágnes & Kiss, Hubert János & Károlyi, Róbert, 2023. "Kontrollhely Magyarországon - egy reprezentatív felmérés eredményei [Locus of Control in Hungary: The results of a representative survey]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(7), pages 847-871.
  9. Michael Gutter & Zeynep Copur, 2011. "Financial Behaviors and Financial Well-Being of College Students: Evidence from a National Survey," Journal of Family and Economic Issues, Springer, vol. 32(4), pages 699-714, December.
  10. Stefano Cosma & Francesco Pattarin, 2012. "Attitudes, personality factors and household debt decisions: A study of consumer credit," Centro Studi di Banca e Finanza (CEFIN) (Center for Studies in Banking and Finance) 12021, Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi".
  11. Hyunwoo Woo & So Young Sohn, 2022. "A credit scoring model based on the Myers–Briggs type indicator in online peer-to-peer lending," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 8(1), pages 1-19, December.
  12. Salamanca, Nicolás & de Grip, Andries & Fouarge, Didier & Montizaan, Raymond, 2020. "Locus of control and investment in risky assets," Journal of Economic Behavior & Organization, Elsevier, vol. 177(C), pages 548-568.
  13. Anna M. Helka & Dominika Maison, 2021. "Predictors of the Propensity to Incur Loans for Varying Purposes in the Future," European Research Studies Journal, European Research Studies Journal, vol. 0(1), pages 1114-1128.
  14. Aysen Akyuz, 2018. "Determinant Factors Influencing Impulse Buying Behavior of Turkish Customers in Supermarket Setting," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 7(1), pages 01-10, January.
  15. Nofsinger, John R., 2012. "Household behavior and boom/bust cycles," Journal of Financial Stability, Elsevier, vol. 8(3), pages 161-173.
  16. Nilton Porto & Yu Huang & Jing Jian Xiao, 2019. "Credit Card Adoption And Usage In China: Urban–Rural Comparisons," The Singapore Economic Review (SER), World Scientific Publishing Co. Pte. Ltd., vol. 64(01), pages 41-56, March.
  17. Mark J. Kamstra & Lisa A. Kramer & Maurice D. Levi, 2003. "Winter Blues: A SAD Stock Market Cycle," American Economic Review, American Economic Association, vol. 93(1), pages 324-343, March.
  18. Schicks, Jessica, 2014. "Over-Indebtedness in Microfinance – An Empirical Analysis of Related Factors on the Borrower Level," World Development, Elsevier, vol. 54(C), pages 301-324.
  19. Kamstra, Mark J. & Kramer, Lisa A. & Levi, Maurice D., 2012. "A careful re-examination of seasonality in international stock markets: Comment on sentiment and stock returns," Journal of Banking & Finance, Elsevier, vol. 36(4), pages 934-956.
  20. Bryce L. Jorgensen & Damon L. Rappleyea & John T. Schweichler & Xiangming Fang & Mary E. Moran, 2017. "The Financial Behavior of Emerging Adults: A Family Financial Socialization Approach," Journal of Family and Economic Issues, Springer, vol. 38(1), pages 57-69, March.
  21. Tax Research Team, 2016. "Demonetisation: Impact on the Economy," Working Papers 16/182, National Institute of Public Finance and Policy.
  22. Krzysztof Przybyszewski & Tadeusz Tyszka, 2007. "Emotional Factors in Currency Perception," Journal of Consumer Policy, Springer, vol. 30(4), pages 355-365, December.
  23. Garrett, Ian & Kamstra, Mark J. & Kramer, Lisa A., 2005. "Winter blues and time variation in the price of risk," Journal of Empirical Finance, Elsevier, vol. 12(2), pages 291-316, March.
  24. Laura A Orobia, 2013. "Gender differences in Working Capital Management amongst Small Business Owners in Uganda," Journal of Economics and Behavioral Studies, AMH International, vol. 5(4), pages 226-236.
  25. Davies, Emma & Lea, Stephen E. G., 1995. "Student attitudes to student debt," Journal of Economic Psychology, Elsevier, vol. 16(4), pages 663-679, December.
  26. Keller, Carmen & Siegrist, Michael, 2006. "Investing in stocks: The influence of financial risk attitude and values-related money and stock market attitudes," Journal of Economic Psychology, Elsevier, vol. 27(2), pages 285-303, April.
  27. Jean Lown & Jinhee Kim & Michael Gutter & Anne-Therese Hunt, 2015. "Self-efficacy and Savings Among Middle and Low Income Households," Journal of Family and Economic Issues, Springer, vol. 36(4), pages 491-502, December.
  28. Stone, Brice & Maury, Rosalinda Vasquez, 2006. "Indicators of personal financial debt using a multi-disciplinary behavioral model," Journal of Economic Psychology, Elsevier, vol. 27(4), pages 543-556, August.
  29. Boto Ferreira, Mário & Costa Pinto, Diego & Maurer Herter, Márcia & Soro, Jerônimo & Vanneschi, Leonardo & Castelli, Mauro & Peres, Fernando, 2021. "Using artificial intelligence to overcome over-indebtedness and fight poverty," Journal of Business Research, Elsevier, vol. 131(C), pages 411-425.
  30. Hoelzl, Erik & Kamleitner, Bernadette & Kirchler, Erich, 2011. "Loan repayment plans as sequences of instalments," Journal of Economic Psychology, Elsevier, vol. 32(4), pages 621-631, August.
  31. Sarah Brown & Andy Dickerson & Jolian McHardy & Karl Taylor, 2010. "Gambling and the use of credit: an individual and household level analysis," Working Papers 2010005, The University of Sheffield, Department of Economics, revised Feb 2010.
  32. Loutfi, Ahmad Amine, 2022. "A framework for evaluating the business deployability of digital footprint based models for consumer credit," Journal of Business Research, Elsevier, vol. 152(C), pages 473-486.
  33. Bai, Zefeng, 2021. "Does robo-advisory help reduce the likelihood of carrying a credit card debt? Evidence from an instrumental variable approach," Journal of Behavioral and Experimental Finance, Elsevier, vol. 29(C).
  34. Lea, Stephen E. G. & Webley, Paul & Walker, Catherine M., 1995. "Psychological factors in consumer debt: Money management, economic socialization, and credit use," Journal of Economic Psychology, Elsevier, vol. 16(4), pages 681-701, December.
  35. Piotr Bialowolski & Dorota Weziak-Bialowolska & Eileen McNeely, 2021. "The Role of Financial Fragility and Financial Control for Well-Being," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 155(3), pages 1137-1157, June.
  36. Anderson, C. Leigh & Nevitte, Neil, 2006. "Teach your children well: Values of thrift and saving," Journal of Economic Psychology, Elsevier, vol. 27(2), pages 247-261, April.
  37. Hani, Umme & Akter, Shahriar & Wickramasinghe, Ananda & Kattiyapornpong, Uraiporn, 2021. "How does relationship quality sustain the rich world’s poorest businesses?," Journal of Business Research, Elsevier, vol. 133(C), pages 297-308.
  38. Wang, Lili & Lu, Wei & Malhotra, Naresh K., 2011. "Demographics, attitude, personality and credit card features correlate with credit card debt: A view from China," Journal of Economic Psychology, Elsevier, vol. 32(1), pages 179-193, February.
  39. Anna M. Helka & Tomasz Grzyb, 2021. "Social Norms Concerning Financial Liability for Various Indebtedness Experiences and Borrowing Plans: Evidence from Poland," European Research Studies Journal, European Research Studies Journal, vol. 0(3B), pages 22-35.
  40. Keese, Matthias, 2012. "Who feels constrained by high debt burdens? Subjective vs. objective measures of household debt," Journal of Economic Psychology, Elsevier, vol. 33(1), pages 125-141.
  41. Sarofim, Samer & Chatterjee, Promothesh & Rose, Randall, 2020. "When store credit cards hurt retailers: The differential effect of paying credit card dues on consumers' purchasing behavior," Journal of Business Research, Elsevier, vol. 107(C), pages 290-301.
  42. Veneta Sotiropoulos & Alain d’Astous, 2013. "Attitudinal, Self-Efficacy, and Social Norms Determinants of Young Consumers’ Propensity to Overspend on Credit Cards," Journal of Consumer Policy, Springer, vol. 36(2), pages 179-196, June.
  43. Dalla Costa, Aldo Fortunato & Mollica, Vito & Singh, Abhay, 2021. "Payment methods and the disposition effect: Evidence from Indonesian mutual fund trading," Journal of Behavioral and Experimental Finance, Elsevier, vol. 30(C).
  44. Rendall, Stella & Brooks, Chris & Hillenbrand, Carola, 2021. "The impacts of emotions and personality on borrowers’ abilities to manage their debts," International Review of Financial Analysis, Elsevier, vol. 74(C).
  45. Kidwell, Blair & Turrisi, Robert, 2004. "An examination of college student money management tendencies," Journal of Economic Psychology, Elsevier, vol. 25(5), pages 601-616, October.
  46. Gabriel Suarez & Juan Raful & Maria A. Luque & Carlos F. Valencia & Alejandro Correa-Bahnsen, 2021. "Enhancing User' s Income Estimation with Super-App Alternative Data," Papers 2104.05831, arXiv.org, revised Aug 2021.
  47. Yaxin Ming & Chenxi Li & Jing (Elaine) Chen, 2021. "Acquisition mode and credit card overspending behavior: An empirical analysis of the credit card industry," Journal of Consumer Affairs, Wiley Blackwell, vol. 55(1), pages 232-253, March.
  48. Stefano Cosma & Francesco Pattarin, 2012. "Attitudes, personality factors and household debt decisions: A study of consumer credit," Centro Studi di Banca e Finanza (CEFIN) (Center for Studies in Banking and Finance) 0031, Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi".
  49. Mewse, Avril J. & Lea, Stephen E.G. & Wrapson, Wendy, 2010. "First steps out of debt: Attitudes and social identity as predictors of contact by debtors with creditors," Journal of Economic Psychology, Elsevier, vol. 31(6), pages 1021-1034, December.
  50. Arvid O. I. Hoffmann & Leonora Risse, 2020. "Do good things come in pairs? How personality traits help explain individuals' simultaneous pursuit of a healthy lifestyle and financially responsible behavior," Journal of Consumer Affairs, Wiley Blackwell, vol. 54(3), pages 1082-1120, September.
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