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The Digital Revolution: Bridging the Information Gap in the Consumer Credit Market

https://doi.org/10.2139/ssrn.4701961

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What this work says

Outgoing claims: the papers this work cites, builds on, or argues with.

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Broadband Internet access and health outcomes: Patient and provider responses in Medicare

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Difference-in-Differences with multiple time periods

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Fintech, regulatory arbitrage, and the rise of shadow banks

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How much should we trust staggered difference-in-differences estimates?

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Information disclosure and the choice between arm’s-length and inside debt

inferredcites →https://doi.org/10.1016/j.jue.2011.07.004openalex-extracted

Broadband and local growth

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Improved Information Shock and Price Dispersion: A Natural Experiment in the Housing Market

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Testing for Weak Instruments in Linear IV Regression

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Identification of Causal Effects Using Instrumental Variables

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Third Party Originators and Mortgage Prepayment Risk: An Agency Problem?

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The Pricing of Mortgages by Brokers: An Agency Problem?

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The Economics of Information

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Equilibrium Price Dispersion in Retail Markets for Prescription Drugs

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The Market for Financial Adviser Misconduct

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The Effect of Minimum Wages on Low-Wage Jobs*

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Do Consumers Choose the Right Credit Contracts?

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A More Credible Approach to Parallel Trends

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Broadband Internet: An Information Superhighway to Sex Crime?

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Does Borrower and Broker Race Affect the Cost of Mortgage Credit?

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Moral Hazard During the Housing Boom: Evidence from Private Mortgage Insurance

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The Rise of Finance Companies and FinTech Lenders in Small Business Lending

inferredcites →https://doi.org/10.1093/rfs/hhac088openalex-extracted

Real Effects of Search Frictions in Consumer Credit Markets

inferredcites →https://doi.org/10.1093/rfs/hhae075openalex-extracted

The Role of Intermediaries in Selection Markets: Evidence from Mortgage Lending

inferredcites →https://doi.org/10.1093/rfs/hhp033openalex-extracted

Understanding the Subprime Mortgage Crisis

inferredcites →https://doi.org/10.1093/rfs/hhz011openalex-extracted

The Supply Side of Household Finance

inferredcites →https://doi.org/10.1093/rfs/hhz099openalex-extracted

On the Rise of FinTechs: Credit Scoring Using Digital Footprints

inferredcites →https://doi.org/10.1111/1540-6229.12039openalex-extracted

Mortgage Brokers, Origination Fees, Price Transparency and Competition

inferredcites →https://doi.org/10.1111/1540-6229.12140openalex-extracted

Financial Literacy, Broker–Borrower Interaction and Mortgage Default

inferredcites →https://doi.org/10.1111/iere.12443openalex-extracted

INFORMATION AND PRICE DISPERSION: THEORY AND EVIDENCE

inferredcites →https://doi.org/10.1111/j.1540-6261.2011.01698.xopenalex-extracted

Information Disclosure, Cognitive Biases, and Payday Borrowing

inferredcites →https://doi.org/10.1111/j.1540-6261.2012.01798.xopenalex-extracted

What Do Consumers’ Fund Flows Maximize? Evidence from Their Brokers’ Incentives

inferredcites →https://doi.org/10.1111/j.1756-2171.2011.00150.xopenalex-extracted

Consumer Search and Dynamic Price Dispersion: An Application to Gasoline Markets

inferredcites →https://doi.org/10.1111/jofi.12426openalex-extracted

Credit Rationing, Income Exaggeration, and Adverse Selection in the Mortgage Market

inferredcites →https://doi.org/10.1111/jofi.12763openalex-extracted

Brokers versus Retail Investors: Conflicting Interests and Dominated Products

inferredcites →https://doi.org/10.1111/jofi.13335openalex-extracted

Broadband Internet and the Stock Market Investments of Individual Investors

inferredcites →https://doi.org/10.1111/jofi.70051openalex-extracted

Bank Competition Amid Digital Disruption: Implications for Financial Inclusion

inferredcites →https://doi.org/10.1146/annurev-financial-100719-120854openalex-extracted

Digital Disruption in Banking

inferredcites →https://doi.org/10.1162/rest.90.4.599openalex-extracted

Market Distortions When Agents Are Better Informed: The Value of Information in Real Estate Transactions

inferredcites →https://doi.org/10.1162/rest_a_00387openalex-extracted

Liar's Loan? Effects of Origination Channel and Information Falsification on Mortgage Delinquency

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Understanding the Advice of Commissions-Motivated Agents: Evidence from the Indian Life Insurance Market

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Every Little Bit Counts: The Impact of High-Speed Internet on the Transition to College

inferredcites →https://doi.org/10.1177/0019793916644721openalex-extracted

Broadband in the Labor Market

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Choosing the Wrong Calling Plan? Ignorance and Learning

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Consumer Confusion in the Mortgage Market: Evidence of Less than a Perfectly Transparent and Competitive Market

inferredcites →https://doi.org/10.1257/aer.102.7.3249openalex-extracted

Diagnosing Consumer Confusion and Sub-Optimal Shopping Effort: Theory and Mortgage-Market Evidence

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Mortgage Modification and Strategic Behavior: Evidence from a Legal Settlement with Countrywide

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Health Insurance for “Humans”: Information Frictions, Plan Choice, and Consumer Welfare

inferredcites →https://doi.org/10.1257/aer.20141772openalex-extracted

Segmented Housing Search

inferredcites →https://doi.org/10.1257/aer.20160542openalex-extracted

Are Online and Offline Prices Similar? Evidence from Large Multi-Channel Retailers

inferredcites →https://doi.org/10.1257/aer.20161385openalex-extracted

The Arrival of Fast Internet and Employment in Africa

inferredcites →https://doi.org/10.1257/aer.91.3.454openalex-extracted

Information Gatekeepers on the Internet and the Competitiveness of Homogeneous Product Markets

inferredcites →https://doi.org/10.1257/aer.99.2.412openalex-extracted

Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?

inferredcites →https://doi.org/10.1257/app.2.3.46openalex-extracted

Information from Markets Near and Far: Mobile Phones and Agricultural Markets in Niger

inferredcites →https://doi.org/10.1257/jel.20201461openalex-extracted

Household Finance

inferredcites →https://doi.org/10.1257/jep.25.1.91openalex-extracted

Consumer Financial Protection

inferredcites →https://doi.org/10.1257/pol.20130101openalex-extracted

The Impact of Including, Adding, and Subtracting a Tax on Demand

inferredcites →https://doi.org/10.1257/pol.20190648openalex-extracted

Wired and Hired: Employment Effects of Subsidized Broadband Internet for Low-Income Americans

inferredcites →https://doi.org/10.1287/mnsc.2015.2272openalex-extracted

Why Do Borrowers Make Mortgage Refinancing Mistakes?

inferredcites →https://doi.org/10.1287/mnsc.2020.3701openalex-extracted

Mortgage Brokers and the Effectiveness of Regulatory Oversights

inferredcites →https://doi.org/10.1287/mnsc.2024.07854openalex-extracted

Invisible Primes: Fintech Lending with Alternative Data

inferredcites →https://doi.org/10.1561/0500000024openalex-extracted

Understanding the Securitization of Subprime Mortgage Credit

inferredcites →https://doi.org/10.17016/feds.2013.65ropenalex-extracted

Broadband in the Labor Market: The Impact of Residential High Speed Internet on Married Women's Labor Force Participation

inferredcites →https://doi.org/10.2139/ssrn.1071189openalex-extracted

Understanding the Securitization of Subprime Mortgage Credit

inferredcites →https://doi.org/10.2139/ssrn.1327125openalex-extracted

Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?

inferredcites →https://doi.org/10.2139/ssrn.1533012openalex-extracted

Information Disclosure, Cognitive Biases and Payday Borrowing

inferredcites →https://doi.org/10.2139/ssrn.1836451openalex-extracted

Mortgage Modification and Strategic Behavior: Evidence from a Legal Settlement with Countrywide

inferredcites →https://doi.org/10.2139/ssrn.1881507openalex-extracted

Broadband Internet: An Information Superhighway to Sex Crime?

inferredcites →https://doi.org/10.2139/ssrn.2446641openalex-extracted

Financial Literacy, Broker-Borrower Interaction, and Mortgage Default

inferredcites →https://doi.org/10.2139/ssrn.2446753openalex-extracted

Why Do Borrowers Make Mortgage Refinancing Mistakes?

inferredcites →https://doi.org/10.2139/ssrn.2948491openalex-extracted

No Shopping in the U.S. Mortgage Market: Direct and Strategic Effects of Providing Information

inferredcites →https://doi.org/10.2139/ssrn.3163781openalex-extracted

On the Rise of FinTechs – Credit Scoring Using Digital Footprints

inferredcites →https://doi.org/10.2139/ssrn.3794018openalex-extracted

How Much Should We Trust Staggered Difference-In-Differences Estimates?

inferredcites →https://doi.org/10.2139/ssrn.4083132openalex-extracted

Value of Information, Search, and Competition in the UK Mortgage Market

inferredcites →https://doi.org/10.2139/ssrn.4196327openalex-extracted

Broadband Internet and the Stock Market Investments of Individual Investors

inferredcites →https://doi.org/10.2139/ssrn.4356223openalex-extracted

How the Internet Changed the Market for Print Media

inferredcites →https://doi.org/10.2139/ssrn.968010openalex-extracted

The Choice between Arm's-Length and Relationship Debt: Evidence from Eloans

inferredcites →https://doi.org/10.2307/2291629openalex-extracted

Identification of Causal Effects Using Instrumental Variables

inferredcites →https://doi.org/10.3386/w11053openalex-extracted

Market Distortions when Agents are Better Informed: The Value of Information in Real Estate Transactions

inferredcites →https://doi.org/10.3386/w13684openalex-extracted

Mortgage Broker Regulations That Matter: Analyzing Earnings, Employment, and Outcomes for Consumers

inferredcites →https://doi.org/10.3386/w16007openalex-extracted

Diagnosing Consumer Confusion and Sub-Optimal Shopping Effort: Theory and Mortgage-Market Evidence

inferredcites →https://doi.org/10.3386/w16175openalex-extracted

The Role of Mortgage Brokers in the Subprime Crisis

inferredcites →https://doi.org/10.3386/w22476openalex-extracted

The FinTech Opportunity

inferredcites →https://doi.org/10.3386/w26645openalex-extracted

Real Effects of Search Frictions in Consumer Credit Markets

inferredcites →https://doi.org/10.3386/w30911openalex-extracted

The Internet, Search Frictions and Aggregate Unemployment

inferredcites →https://doi.org/10.7208/chicago/9780226032900.003.0007openalex-extracted

Mortgage Broker Regulations that Matter

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