The Value of Verified Employment Data for Consumer Lending: Evidence from Equifax-Reference-Cited by-同舟云学术

The Value of Verified Employment Data for Consumer Lending: Evidence from Equifax

Published:2021-12-28 Issue: Volume: Page:
ISSN:0732-2399
Container-title:Marketing Science
language:en
Short-container-title:Marketing Science

Author:

Chan Tat¹,Hamdi Naser²,Hui Xiang¹,Jiang Zhenling³^ORCID

Affiliation:

1. Washington University, St. Louis, Missouri 63130;

2. Equifax Inc, St. Louis, Missouri 63146;

3. University of Pennsylvania, Philadelphia, Pennsylvania 19104

Abstract

The availability of digitally verifiable employment data significantly expands credit access for economically disadvantaged customers, and at the same time, profitably expands lenders’ loan portfolio.

Publisher

Institute for Operations Research and the Management Sciences (INFORMS)

Subject

Marketing,Business and International Management

Reference37 articles.

1. The Economics of Privacy

2. E-Customization

3. The Digital Privacy Paradox: Small Money, Small Costs, Small Talk

4. On the Rise of FinTechs – Credit Scoring using Digital Footprints

5. Competitive Price Discrimination Strategies in a Vertical Channel Using Aggregate Retail Data

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