Making Firms Liable for Consumers' Mistaken Beliefs: Theoretical Model and Empirical Applications to the U.S. Mortgage and Credit Card Markets

2015 ◽  
Author(s):  
Alexei Alexandrov
Keyword(s):  
Theoretical Model ◽  
Credit Card ◽  
The U.S

Meddling in the Ballot Box

2020 ◽  
Author(s):  
Dov H. Levin
Keyword(s):  
Statistical Analysis ◽  
Theoretical Model ◽  
Preliminary Analysis ◽  
Great Powers ◽  
Archival Research ◽  
Micro Level ◽  
Election Results ◽  
Level Analysis ◽  
The U.S ◽  
Scholarly Attention

This book examines why partisan electoral interventions occur as well as their effects on the election results in countries in which the great powers intervened. A new dataset shows that the U.S. and the USSR/Russia have intervened in one out of every nine elections between 1946 and 2000 in other countries in order to help or hinder one of the candidates or parties; the Russian intervention in the 2016 U.S. elections is just the latest example. Nevertheless, electoral interventions receive scant scholarly attention. This book develops a new theoretical model to answer both questions. It argues that electoral interventions are usually “inside jobs,” occurring only if a significant domestic actor within the target wants it. Likewise, electoral interventions won’t happen unless the intervening country fears its interests are endangered by another significant party or candidate with very different and inflexible preferences. As for the effects it argues that such meddling usually gives a significant boost to the preferred side, with overt interventions being more effective than covert ones in this regard. However, unlike in later elections, electoral interventions in founding elections usually harm the aided side. A multi-method framework is used in order to study these questions, including in-depth archival research into six cases in which the U.S. seriously considered intervening, the statistical analysis of the aforementioned dataset (PEIG), and a micro-level analysis of election surveys from three intervention cases. It also includes a preliminary analysis of the Russian intervention in the 2016 U.S. elections and the cyber-future of such meddling in general.

Frequency of Triplets and Triplet Zygosity Types among U.S. Births, 1964

1988 ◽  
Vol 37 (3-4) ◽  
pp. 299-306 ◽  
Author(s):  
Gordon Allen
Keyword(s):  
Theoretical Model ◽  
Difference Method ◽  
Age Distribution ◽  
Young Mothers ◽  
White Population ◽  
Older Mothers ◽  
Induction Of Ovulation ◽  
Artificial Induction ◽  
The Difference ◽  
The U.S

AbstractThe frequency of triplets in the U.S. white population may have reached an all-time low around 1964, at 78 sets per million deliveries. One-fourth of those were monozygotic as estimated by the difference method, or 18% by Bulmer's theoretical model. By 1983 the frequency of triplets had nearly doubled, the increase presumably occurring in dizygotic and trizygotic types. In Belgium most triplet pregnancies now result from artificial induction of ovulation, which is expected to occur mainly in older mothers. In the U.S., however, triplets have increased as much in young mothers as in older mothers, proportionally. This age distribution of the increase may be partly explained by a decrease in parity in older mothers since 1964.

Credit Solicitations as Market Experiments in the U.S. Credit Card Industry

2017 ◽  
pp. 1-5
Author(s):  
Nabil Al-Najjar ◽  
David Besanko ◽  
Roberto Uchoa
Keyword(s):  
Interest Rates ◽  
Selection Bias ◽  
Credit Card ◽  
Risk Profile ◽  
Average Risk ◽  
Credit Reporting ◽  
Credit Score ◽  
Typical Experiment ◽  
Market Experiments ◽  
The U.S

Describes market experiments conducted by a major credit card issuer. In a typical experiment, the issuer sends out hundreds of thousands of solicitations based on information received from credit reporting agencies (e.g., credit score, past delinquencies, etc.). Selection bias is striking: the average risk profile of those responding to higher interest rates is significantly worse than that of respondents to lower rates. Tracking respondents for 27 months after the experiment, respondents to higher rates displayed significantly higher delinquency and bankruptcy rates. Based on a research paper by Larry Ausubel.

Maxxed Out: TJX Companies and the Largest-Ever Consumer Data Breach

2017 ◽  
pp. 1-8
Author(s):  
Russell Walker
Keyword(s):  
United States ◽  
Credit Card ◽  
The United States ◽  
List Type ◽  
Data Breach ◽  
Royal Canadian Mounted Police ◽  
Operational Risks ◽  
Savings Bank ◽  
Security Standards ◽  
The U.S

In November 2005 Fidelity Homestead, a savings bank in Louisiana, began noticing suspicious charges from Mexico and southern California on its customers' credit cards. More than a year later, an audit revealed peculiarities in the credit card data in the computer systems of TJX Companies, the parent company of more than 2,600 discount fashion and home accessories retail stores in the United States, Canada, and Europe.The U.S. Secret Service, the U.S. Justice Department, and the Royal Canadian Mounted Police found that hackers had penetrated TJX's systems in mid-2005, accessing information that dated as far back as 2003. TJX had violated industry security standards by failing to update its in-store wireless networks and by storing credit card numbers and expiration dates without adequate encryption. When TJX announced the intrusion in January 2007, it admitted that hackers had compromised nearly 46 million debit and credit card numbers, the largest-ever data breach in the United States.After analyzing and discussing the case, students should be able to: Understand imbedded operational risks Analyze how operational risk decisions are made in a firm Understand the challenges in the electronic payment transmission process, which relies on each participant in the process to operate best-in-class safety systems to ensure the safety of the entire process Recognize the sophistication of IT security threats

Firm entry through e-commerce in the U.S. agricultural input distribution industry

2003 ◽  
Vol 3 (2) ◽  
pp. 123-133 ◽  
Author(s):  
Nicholas Kalaitzandonakes ◽  
James Kaufman ◽  
Xinghe Wang
Keyword(s):  
Theoretical Model ◽  
Supply Chains ◽  
Empirical Evidence ◽  
End Users ◽  
Firm Entry ◽  
Input Distribution ◽  
The Us ◽  
Input Markets ◽  
Agricultural Input ◽  
The U.S

US agricultural input supply chains have been chronically burdened with excess inventories and inefficient coordination. In the late 1990s, new e-commerce firms sought to streamline the chain by efficiently connecting end-users with upstream suppliers while displacing incumbent intermediaries. Despite promising conditions, e-commerce entrants have been only marginally successful in the US agricultural input markets while incumbents have remained firmly in place. In this paper, we develop a theoretical model to examine the conditions under which e-commerce firms could enter and disintermediate agricultural input markets. We then evaluate these conditions against empirical evidence for the 1998-2000 period — when most e-commerce firm entry occurred in the US-and provide an explanation for the apparent failure of many of the early entrants.

scholarly journals Submission on improving acquisition of risk prevention and limit the bad debts of credit cards

2019 ◽  
Vol 2 (3) ◽  
pp. 19-29
Author(s):  
Dang Kien Cuong
Keyword(s):  
Credit Card ◽  
Credit Cards ◽  
Credit Market ◽  
Developed Countries ◽  
Legal Framework ◽  
Risk Prevention ◽  
Legal Regulations ◽  
Personal Credit ◽  
The U.S

To develop a sound personal credit market, especially credit cards, prevent and reduce the increasing bad debts in this market, it is necessary to establish, enhance and supplement the legal framework on issuance, granting credit card limits. Through the research about legal regulations on issuing conditions, granting personal credit limit via credit cards in developed countries in Europe, the U.S., and Canada, this paper aims to present findings on the above issues to contribute to the establishment, enhancement of and supplement to the Vietnam’s legal framework on the issuance and settlement of credit card bad debts.

scholarly journals The U.S. Wheat And Corn Programs: Some Domestic Welfare And International Trade Implications

1992 ◽  
Vol 24 (1) ◽  
pp. 179-186
Author(s):  
Kathleen Carey
Keyword(s):  
International Trade ◽  
Theoretical Model ◽  
Policy Change ◽  
Farm Bill ◽  
International Price ◽  
Commodity Programs ◽  
Welfare Changes ◽  
Price Distortions ◽  
The U.S

AbstractThis paper explores changes in traditional commodity programs from the perspective of domestic welfare. A theoretical model was developed which describes domestic welfare changes that follow from policies consistent with reductions in international price distortions. The model was applied to the 1985 Farm Bill. This provided an historical example of a policy change that simultaneously improves domestic welfare and reduces protectionism.

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