Two-Sided Market Definition and Competitive Effects for Credit Cards After United States v. American Express

2016 ◽  
Author(s):  
J. Gregory Sidak ◽  
Robert D. Willig
Keyword(s):  
United States ◽  
Credit Cards ◽  
Market Definition ◽  
Competitive Effects ◽  
American Express

scholarly journals The impact of geographic market definition on the stringency of hospital merger control in Germany and the Netherlands

2012 ◽  
Vol 7 (3) ◽  
pp. 363-381 ◽  
Author(s):  
Marco Varkevisser ◽  
Frederik T. Schut
Keyword(s):  
United States ◽  
The Netherlands ◽  
The United States ◽  
Merger Control ◽  
Market Definition ◽  
Competition Authority ◽  
Hospital Mergers ◽  
Hospital Markets ◽  
Hospital Merger ◽  
The Impact

AbstractIn markets where hospitals are expected to compete, preventive merger control aims to prohibit anticompetitive mergers. In the hospital industry, however, the standard method for defining the relevant market (SSNIP) is difficult to apply and alternative approaches have proven inaccurate. Experiences from the United States show that courts, by identifying overly broad geographic markets, have underestimated the anticompetitive effects of hospital mergers. We examine how geographic hospital markets are defined in Germany and the Netherlands where market-oriented reforms have created room for hospital competition. For each country, we discuss a landmark case where definition of the geographic market played a decisive role. Our findings indicate that defining geographic hospital markets in both countries is less complicated than in the United States, where antitrust analysis must take managed care organisations into account. We also find that different methods result in much more stringent hospital merger control in Germany than in the Netherlands. Given the uncertainties in defining hospital markets, the German competition authority seems to be inclined to avoid the risk of being too permissive; the opposite holds for the Dutch competition authority. We argue that for society the costs of being too permissive with regard to hospital mergers may be larger than the costs of being too stringent.

scholarly journals Attitudes toward Credit and Finances among College Students in Brazil and the United States

2013 ◽  
Vol 1 (1) ◽  
pp. 132 ◽  
Author(s):  
Jill M. Norvilitis ◽  
Wesley Mendes-Da-Silva
Keyword(s):  
United States ◽  
College Students ◽  
Parenting Practices ◽  
Credit Card ◽  
Student Loans ◽  
Credit Cards ◽  
Well Being ◽  
Developed Countries ◽  
The United States ◽  
Delay Of Gratification

Although research on credit card debt in developed countries has identified predictors of debt among<br />college students, it is unknown whether these same predictors apply in emerging markets, such as<br />Brazil. To examine this issue, a total of 1257 college students, 814 from Brazil and 443 from the United<br />States, participated in a study exploring the utility of a theory of planned behavior as a predictor of<br />credit card debtand student loans among college students, as well as perceived financial well-being.<br />Compared to the Brazilian participants, the American sample was more financially self-confident,<br />reported better financial well-being, and was more likely to believe that credit cards are negative.<br />Similar predictors of financial well-being emerged in the samples. Specifically, parenting practices<br />related to money and better self-reported delay of gratification are related to more positive financial<br />attitudes and lower levels of debt. Although the debt to income ratio among card holders was similar,<br />Brazilian students held more credit cards than American students. Greater delay of gratification was<br />related to lower levels of student loans in the United States, but there were no significant predictors of<br />student loans in Brazil.

Managing E-business

2011 ◽  
pp. 254-269
Author(s):  
Keng Siau ◽  
Shane Meakim
Keyword(s):  
United States ◽  
Web Sites ◽  
Credit Cards ◽  
The United States ◽  
Security And Privacy ◽  
Grocery Stores ◽  
Electronic Business ◽  
The Us ◽  
The World ◽  
Near Future

What would you do if I told you that I could read your mind? Given that I am not a psychic, but a Web site administrator, you would probably not believe me. There are organizations that maintain databases of almost every consumer in the United States and even the world. One organization claims to have a database that encompasses 90% of all US consumers. Once an organization was given the name of a man and was told he lived in the US. In less than 48 hours they found where he worked, where he lived, who he was married to, how many times he was married, the contents of his financial portfolio, what credit cards he had, and what he bought at grocery stores. Amazingly, this information was obtained legally from various Web sites. The fact that you use a computer at home does not ensure your anonymity. You are being tracked in more ways than you could possibly think. As you surf the Net, facts are compiled about you. These pieces of information can range from the places or sites you visit and how long you stayed there to where you come from. These issues concerning trust, security, and privacy in cyberspace must be addressed in the near future and are critical to the growth of electronic business (Siau & Whitacre, 2001; Keen et al., 2000; Turban et al., 2000; Fingar et al., 2000; Kaufman et al., 1995; Ford & Baum, 1997).

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