Milton Friedman once said that “the poor stay poor, not because they’re lazy, but because…
Mobile Banking for the co-operative segment in India
Mobile banking users and transactions are growing by leaps and bounds in India. Increasing smartphone…
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Disparities in consumer credit: The role of loan officers in the FinTech era
To obtain loans in most consumer credit markets, households interact with loan officers. The discretion…
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Payment fintechs’ debt enforcement technology
Technology-based payment service providers—payment fintechs—have disrupted payment market transformationally and are entering the credit market….
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Removing the fine print: Standardization, disclosure, and consumer loan outcomes
At least 85 percent of Americans have encountered an unexpected or hidden fee over the…