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D14
D14
9 papers tracked
1 forthcoming
Showing 9 papers
Published
Journal of Monetary Economics
A model of expenditure shocksJorge Miranda-Pinto · Daniel Murphy · Kieran James Walsh · Eric R. Young
A common observation from account-level bank data is that low-income, low-liquidity households often use additional income to repay debt rather than consume, and that household-level consumption is …
Published
Journal of Monetary Economics
1 Apr 2026
Automated credit limit increases and consumer welfareVitaly M. Bord · Agnes Kovacs · Patrick Moran
Layer 1 — Overview Research Question. Should regulators restrict banks from proactively raising credit card limits using machine-learning algorithms, and if so, how? The paper asks: to what extent are …
Forthcoming
Journal of Monetary Economics
Cash or card? A structural model of payment choicesFrancesco Lippi · Elia Moracci
Lippi and Moracci (2026) ask how euro area households choose between cash and card payments, and whether existing theoretical models can explain observed behavior. They draw on ECB payment diary …
Online First
Review of Economic Studies
24 Sep 2025
Contract Terms, Employment Shocks, and Default in Credit CardsSara G Castellanos · Diego Jiménez-Hernández · Aprajit Mahajan · Eduardo Alcaraz Prous · Enrique Seira
Layer 1 — Overview Research Question
This paper asks two related questions bearing on financial inclusion policy in developing countries: (1) How effective are credit card contract term changes — …
Published
Quarterly Journal of Economics
27 Nov 2024
Do Financial Concerns Make Workers Less Productive?Supreet Kaur · Sendhil Mullainathan · Suanna Oh · Frank Schilbach
Do Financial Concerns Make Workers Less Productive? Research Question The paper tests whether financial concerns distract workers sufficiently to meaningfully reduce their productivity, and whether …