Debit, credit, or cash: survey evidence on gasoline purchases

Article Abstract:

A survey was conducted on the use of cash, debit or credit cards in paying for gas among selected respondents using a multinomial logit model. Results showed that people who use cash in buying gasoline are relatively older, have lower income, less educated and has fewer number of credit cards. However, those who use debit and credit cards are younger, have higher income, attained higher education, and own more credit cards. Those who use gas cards switch to debit cards to lessen the number of cards they carry.

Petroleum Refineries, All Other Plastics Product Manufacturing, Petroleum refining, Gasoline, Plastic Credit & ID Cards, Usage, Purchasing, Credit cards, Consumer behavior, Debit cards, Transaction cards

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Generalized bankruptcy models applied to predicting consumer credit behavior

Article Abstract:

A probability model of the exponentiated generalized beta distribution of the second type was used to study bankruptcy and consumer credit behavior. Statistics from 16,000 households were used. It was argued that financial variables such as those that bring about bankruptcy do not behave normally with respect to usual statistical methodologies and thus need newer and more intricate forecasting and decision criteria.

Models, Consumer credit, Bankruptcy

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Competition, herd behavior, credit cycles: evidence from major Swiss Banks

Article Abstract:

This paper studies the lending practices of three Swiss Banks, two competing and the third following, which found their decisions can aggregately lead to cyclical swings in both credit supply and the investment market.

Germany, Statistical Data Included, Switzerland, Investments, Surveys, Credit ratings, Loans, Bank loans

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