Survey of consumer finances

This research aimed to consider the importance of digital transformation and digital marketing on consumer behavior, along with studying the indirect impact of this relationship through brand positioning. The authors conducted a survey of 300 leaders of small and medium-sized enterprises (SMEs) on “The impact of digital transformation and digital marketing on the brand positioning and consumer behavior” through online and direct forms using pre-designed questionnaires.

13p leminhvu111 07-06-2024 5 0   Download

This study examines the differences in household loan delinquency rates of the racial/ethnic groups. The study uses combined data from 2007 and 2010 SCF. The study employed Oaxaca decomposition analysis to investigate the source of differences in loan delinquency rates of the racial/ethnic groups. Our results show that 67.33% of the differences in loan delinquency between whites and African Americans is due to differences in endowments while 33.08% is unexplained or due to discrimination.

25p trinhthamhodang2 19-01-2020 20 1   Download

FinTech have revolutionized applications and redefined the digital economy in recent years. However, there remains a gap in the academic literature regarding core factors that influence the development of internet finance. This research proposes an internet finance development evaluation model with 8 dimensions, namely, Commercial Benefit, Convenience, Trust, Cost, User Profile, Substitution, Competitiveness, and Regulation, based on literature survey.

26p chauchaungayxua2 19-01-2020 31 3   Download

Drawing on a large and wide-ranging literature on consumer behaviour, this report argues that psychological rather than informational differences may explain much of the variation in financial capability reported in the FSA's financial capability survey, and that people's financial behaviour may primarily depend on their intrinsic psychological attributes rather than information or skills or how they choose to deploy them.

359p mebachano 01-02-2013 80 14   Download

Another BSP initiative that addresses the data gap is the Consumer Finance Survey, which aims to generate, measure and analyse data on the wealth, indebtedness, savings and investments of Philippine households. At present, the BSP is completing a pilot consumer finance survey, and it will soon be conducting the full-scale survey in selected regions. This is one of the initiatives that could shed more light on the role of consumer credit in the development of the Philippines and in elevating the well-being of its people....

10p taisaocothedung 09-01-2013 45 2   Download

In short, the literature still lacks a convincing test of the buffer-stock model. In this paper we use a survey question on precautionary wealth available in the 2002 Bank of Italy Survey on Household Income and Wealth (SHIW) to propose a direct test of buffer stock behavior. The question asks people how much savings they think they need for future emergencies, and is similar to a question contained in the 1995 and 1998 Surveys of Consumer Finances described in Kennickell and Lusardi (2004).

46p bocapchetnguoi 05-12-2012 66 3   Download

Consumer financing have become increasingly important in the private sector of Pakistan for the last two decades. With the new reforms in the banking sector, the marketing of financial products has become very competitive, creating a needfor strategizing the marketing efforts. This study investigates the shift of Pakistani consumers towards the use of plastic money, with emphasis on credit cards. A survey of consumers holding (at least) one or no credit card were used for data collection.

12p toan184 11-01-2011 164 13   Download