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We study the adoption of automated credit scoring at a large auto finance company and the changes it enabled in lending practices. Credit scoring appears to have increased profits by rou...
We study the long-run evolution of brand preferences, using new data on consumers’ life histories and purchases of consumer packaged goods. Variation in where consumers have lived in the past allo...
Attention is a necessary ingredient for effective advertising. The market for consumer attention (or "eyeballs") has become so competitive that attention can be regarded as a currency. The rising cost...
Consumer review websites leverage the wisdom of the crowd, with each product being reviewed many times (some with more than 1,000 reviews). Because of this, the way in which information is aggregated ...
Theories of legitimate regulation have emphasized the role of governments either in fixing market failures to promote greater efficiency or in restricting the efficient functioning of markets in order...
This article describes the consumer finance sector in the US since World War II. We first define the sector in terms of the functions delivered by firms (payments, savings/investing, borrowing, managi...
This paper reports on a small-scale survey of the potential American demand for prize-linked savings accounts, an account that awards prizes as part of the saving product's return. In October 2006, Ce...
This paper seeks to answer three questions. First, which drives the success of a platform, installed base, platform quality or consumer expectations? Second, when does a monopoly emerge in a platform-...
Should the United States pursue a vigorous antitrust policy? Soon after the passage of the Sherman Antitrust Act of 1890, economists led by John Bates Clark (1901) argued that the enforcement of such ...
Numerous studies have shown that feedback on energy consumption can work to effectively reduce household energy consumption. However, relatively little work has been done on the best ways to present i...
In this thesis, we analyze the effect that price p ostp onement has on the p erformance and co ordination of a two-stage supply chain facing consumer returns. In an extended news-vendor setting with a...
Within this thesis we investigate the effect of asymmetric agent decision making on the coordination of a two echelon supply chain facing consumer returns. On the basis of the classical newsvendor set...
By adopting the scenario experimental methodology of carbon labelling on agri-food products, coupled with 873 questionnaires collected from six cities in China, we made a statistical analysis of di&...
The purpose of this paper is to examine whether people treat all forms of uncertainty in the same way. Studies investigating known-risk gambles and ambiguous gambles have systematically used the urn c...
To understand consumer patterns when it comes to health and wellness, a marriage between consumer drivers, health trends, consumer disconnects, and flavor trends can lead to more focused navigation st...

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