We exploit staggered real estate transaction tax (RETT) hikes across German states to identify the effect of house price changes on mortgage credit supply. Based approximately 33 million online listings, we construct a quarterly hedonic index (HPI) between 2008:q1 and 2017:q4, which instrument with state-specific RETT isolate supply by all local banks. First, hike one percentage point reduces H...

household data are used in this study to assess the transaction costs of obtaining credit from formal and semiformal institutions in rural iran. a survey was employed to gather the data needed to determine the transaction costs that must be borne by the borrower in each step of the credit procurement process. data were collected from a random sample of 459 households, including 272 borrower hou...

This paper examines the role of market size as a determinant of market transaction costs using microdata on the IT outsourcing of U.S. credit unions. Taking advantage of cross-vendor variation of client information, we distinguish the effects of two explanations on an observed positive relationship between outsourcing and market thickness: (1) market transaction costs are lower in thicker marke...

With the rise and swift growth of E-Commerce, credit card uses for online purchases has increased dramatically and it caused sudden outbreak in the credit card fraud. Fraud is one of the major ethical issues in the credit card industry. With both online as well as regular purchase, credit card becomes the most popular mode of payment with cases of fraud associated with it are also increasing. F...

The project entitled “Credit Card Endorsement Using Biometrics in Cloud Computing” is based on the security issues related to data access and data storage in cloud computing. The application focused is on the credit card authentication. The concept of biometrics is integrated along with the cloud for secure data access. The existing system of the credit card allows the user to do the transactio...

Credit card frauds are increasing day by day regardless of the various techniques developed for its detection. Fraudsters are so expert that they engender new ways for committing fraudulent transactions each day which demands constant innovation for its detection techniques as well. Many techniques based on Artificial Intelligence, Data mining, Fuzzy logic, Machine learning, Sequence Alignment,...

Since the evolution of the internet, many small and large companies have moved their businesses to the internet to provide services to customers worldwide. Cyber credit‐card fraud or no card present fraud is increasingly rampant in the recent years for the reason that the credit‐card i s majorly used to request payments by these companies on the internet. Therefore the need to ensure secured tr...

-------------------------------------------------------------------ABSTRACT---------------------------------------------------With the emergence of internet and e-commerce, the use of credit card is an unavoidable one. The credit cards are used for purchasing goods and services. We can make both online and offline payment easily with the help of credit cards. For online transaction it uses virt...

Credit scoring models play a fundamental role in the risk management practice at most banks. They are used to quantify credit risk at counterparty or transaction level in the different phases of the credit cycle (e.g. application, behavioural, collection models). The credit score empowers users to make quick decisions or even to automate decisions and this is extremely desirable when banks are ...

This study uses the Propensity Score Matching to examine the income impact of different credit sources on accessed households in the Northern Mountains of Vietnam. Results show that overall rural credit serves an important role in improving household income with respect to total income, per capita income and nonfarm income. However, different credit affects recipients heterogeneously. Whereas a...