Adams, P., Guttman-Kenney, B., Hayes, L., Hunt, S., Laibson, D., and Stewart, N. (2022). Do nudges reduce borrowing and consumer confusion in the credit card market? Economica. Forthcoming.
Adams, P., Hunt, S., Palmer, C., and Zaliauskas, R. (2021). Testing the effectiveness of consumer financial disclosure: Experimental evidence from savings accounts. Journal of Financial Economics, 141(1):122–147.
Agarwal, S., Chomsisengphet, S., Mahoney, N., and Stroebel, J. (2015). Regulating consumer financial products: Evidence from credit cards. Quarterly Journal of Economics, 130(1):111– 164.
Agarwal, S., Chomsisengphet, S., Mahoney, N., and Stroebel, J. (2018). Do banks pass through credit expansions to consumers who want to borrow? Quarterly Journal of Economics, 133(1):129–190.
Agarwal, S., Skiba, P. M., and Tobacman, J. (2009). Payday loans and credit cards: New liquidity and credit scoring puzzles? American Economic Review, 99(2):412–17.
Alcazar, J. and Bradford, T. (2021b). The rise of buy now, pay later: Bank and payment network perspectives and regulatory considerations. Federal Reserve Bank of Kansas City, kcFed Payments System Research Briefing, 1 December 2021.
American Economic Review, 100(5):2279–2303. Heidhues, P. and Kőszegi, B. (2015). On the welfare costs of naiveté in the us credit-card market.
American Economic Review, 106(5):1–30. Campbell, J. Y., Jackson, H. E., Madrian, B. C., and Tufano, P. (2011a). Consumer financial protection. Journal of Economic Perspectives, 25(1):91–114.
- Ando, A. and Modigliani, F. (1963). The” life cycle” hypothesis of saving: Aggregate implications and tests. American Economic Review, 53(1):55–84.
Paper not yet in RePEc: Add citation now
Baker, S. R. and Kueng, L. (2021). Household financial transaction data. NBER Working Paper No. 29027.
- Barr, M. S., Mullainathan, S., and Shafir, E. (2009). Behaviorally informed financial services regulation. In Moss, D. and Cisternino, J., editors, New Perspectives on Regulation, pages 25–62.
Paper not yet in RePEc: Add citation now
Campbell, J. Y. (2016). Restoring rational choice: The challenge of consumer financial regulation.
- Campbell, J. Y., Jackson, H. E., Madrian, B. C., and Tufano, P. (2011b). Making financial markets work for consumers. Harvard Business Review.
Paper not yet in RePEc: Add citation now
- Carvalho, L., Olafsson, A., and Silverman, D. (2020). Misfortune and mistake: The financial conditions and decision-making ability of high-cost loan borrowers. NBER Working Paper No.
Paper not yet in RePEc: Add citation now
- Consumer Financial Protection Bureau (2021). Consumer financial protection bureau opens inquiry into “buy now, pay later” credit. URL: https://www.consumerfinance.gov/aboutus /newsroom/consumer-financial-protection-bureau-opens-inquiry-into-buy-now-pay-latercredit /.
Paper not yet in RePEc: Add citation now
DeFusco, A. A., Johnson, S., and Mondragon, J. (2020). Regulating household leverage. Review of Economic Studies, 87(2):914–958.
- Financial Conduct Authority (2021). The woolard review - a review of change and innovation in the unsecured credit market. URL: https://www.fca.org.uk/news/press-releases/fca-publisheswoolard -review-unsecured-credit-market.
Paper not yet in RePEc: Add citation now
- Fisher, C., Holland, C., West, T., et al. (2021). Developments in the buy now, pay later market. Reserve Bank of Australia Bulletin, 18 March 2021.
Paper not yet in RePEc: Add citation now
Fook, L. A., McNeill, L., et al. (2020). Click to buy: The impact of retail credit on over-consumption in the online environment. Sustainability, 12(18):1–15.
Gathergood, J. and Guttman-Kenney, B. (2021). The english patient: Evaluating local lockdowns using real-time covid-19 & consumption data. Covid Economics, 64:73–100.
Gathergood, J. and Weber, J. (2017). Financial literacy, present bias and alternative mortgage products. Journal of Banking & Finance, 78:58–83.
Gathergood, J., Gunzinger, F., Guttman-Kenney, B., Quispe-Torreblanca, E., and Stewart, N. (2021a). Levelling down and the covid-19 lockdowns: Uneven regional recovery in uk consumer spending. Covid Economics, 67:24–52.
Gathergood, J., Guttman-Kenney, B., and Hunt, S. (2019). How do payday loans affect borrowers? evidence from the uk market. Review of Financial Studies, 32(2):496–523.
- Gerrans, P., Baur, D. G., and Lavagna-Slater, S. (2021). Fintech and responsibility: Buy-now-paylater arrangements. Australian Journal of Management.
Paper not yet in RePEc: Add citation now
Grubb, M. D. (2009). Selling to overconfident consumers. American Economic Review, 99(5):1770– 1807.
- Guttman-Kenney, B. and Hunt, S. (2017). Preventing financial distress by predicting unaffordable consumer credit agreements: An applied framework. FCA Occasional Paper No. 28.
Paper not yet in RePEc: Add citation now
- Guttman-Kenney, B., Adams, P., Hunt, S., Laibson, D., and Stewart, N. (2021). The semblance of success in nudging consumers to pay down credit card debt. Working Paper.
Paper not yet in RePEc: Add citation now
Heidhues, P. and Kőszegi, B. (2010). Exploiting naivete about self-control in the credit market.
- Hunt, S. (2017). From maps to apps: the power of machine learning and artificial intelligence for regulators. Beesley Lecture, 19 October 2017. URL: https://www.fca.org.uk/publication/documents/from-maps-to-apps.pdf.
Paper not yet in RePEc: Add citation now
Journal of Financial Economics, 131(3):528–548. Kuchler, T. and Pagel, M. (2021). Sticking to your plan: The role of present bias for credit card paydown. Journal of Financial Economics, 139(2):359–388.
- Journal of Public Economics (2020). SI: The public economics of covid-19. Friedman, J. and Kopczuk, W. (Eds.), 189.
Paper not yet in RePEc: Add citation now
Keys, B. J. and Wang, J. (2019). Minimum payments and debt paydown in consumer credit cards.
- Lott, D. (2021). Now in the u.s.: Buy now, pay later. Federal Reserve Bank of Atlanta, Take On Payments Blog, 8 March 2021. URL: https://www.atlantafed.org/blogs/take-onpayments /2021/03/08/now-in-the-us-buy-now-pay-later.
Paper not yet in RePEc: Add citation now
Meier, S. and Sprenger, C. (2010). Present-biased preferences and credit card borrowing. American Economic Journal: Applied Economics, 2(1):193–210.
Mian, A. and Sufi, A. (2009). The consequences of mortgage credit expansion: Evidence from the us mortgage default crisis. Quarterly Journal of Economics, 124(4):1449–1496.
O’Donoghue, T. and Rabin, M. (1999). Doing it now or later. American Economic Review, 89(1):103–124.
Prelec, D. and Loewenstein, G. (1998). The red and the black: Mental accounting of savings and debt. Marketing science, 17(1):4–28.
- Sarin, N. (2019). Making consumer finance work. Columbia Law Review, 119(6):1519–1596.
Paper not yet in RePEc: Add citation now
The economic impacts of covid-19: Evidence from a new public database built using private sector data. NBER Working Paper No. 27431. Cocco, J. F. (2013). Evidence on the benefits of alternative mortgage products. Journal of Finance, 68(4):1663–1690.
- The Tobin Project. Battermann, M. (2021). Buy now, pay later - a qualitative analysis of a short-term lending proposition.
Paper not yet in RePEc: Add citation now
- University of Edinburgh Business School MSc Dissertation. Berg, T., Fuster, A., and Puri, M. (2021). Fintech lending. NBER Working Paper No. 29421.
Paper not yet in RePEc: Add citation now
URL: https://www.kansascityfed.org/research/payments-system-research-briefings/the-rise-ofbuy -now-pay-later-bank-and-payment-network-perspectives-and-regulatory-considerations/. Allcott, H., Kim, J. J., Taubinsky, D., and Zinman, J. (2021). Are high-interest loans predatory? theory and evidence from payday lending. Review of Economic Studies.
URL: https://www.rba.gov.au/publications/bulletin/2021/mar/developments-in-the-buy-nowpay -later-market.html.
Vavra, J. (2021). Tracking the pandemic in real time: Administrative micro data in business cycles enters the spotlight. Journal of Economic Perspectives, 35(3):47–66.
- Xing, Y., Chen, H., and Zhuang, X. (2019). Australian online bnpl services research: Building gain value model of individual credit background. In Proceedings of the 2019 International Conference on Information Technology and Computer Communications, pages 45–51.
Paper not yet in RePEc: Add citation now