The Value of Verified Employment Data for Consumer Lending: Evidence from Equifax
Author
Abstract
Suggested Citation
DOI: 10.1287/mksc.2021.1335
Download full text from publisher
References listed on IDEAS
- Alessandro Acquisti & Curtis Taylor & Liad Wagman, 2016. "The Economics of Privacy," Journal of Economic Literature, American Economic Association, vol. 54(2), pages 442-492, June.
- Peter E. Rossi & Robert E. McCulloch & Greg M. Allenby, 1996. "The Value of Purchase History Data in Target Marketing," Marketing Science, INFORMS, vol. 15(4), pages 321-340.
- Anindya Ghose & Panagiotis G. Ipeirotis & Beibei Li, 2014. "Examining the Impact of Ranking on Consumer Behavior and Search Engine Revenue," Management Science, INFORMS, vol. 60(7), pages 1632-1654, July.
- Romana Khan & Michael Lewis & Vishal Singh, 2009. "Dynamic Customer Management and the Value of One-to-One Marketing," Marketing Science, INFORMS, vol. 28(6), pages 1063-1079, 11-12.
- Gautier, Pieter A. & Zenou, Yves, 2010.
"Car ownership and the labor market of ethnic minorities,"
Journal of Urban Economics, Elsevier, vol. 67(3), pages 392-403, May.
- Pieter A. Gautier & Yves Zenou, 2008. "Car ownership and the Labor Market of Ethnic Minorities," Tinbergen Institute Discussion Papers 08-106/3, Tinbergen Institute.
- Zenou, Yves & Gautier, Pieter, 2008. "Car Ownership and the Labour Market of Ethnic Minorities," CEPR Discussion Papers 7061, C.E.P.R. Discussion Papers.
- Gautier, Pieter A. & Zenou, Yves, 2008. "Car Ownership and the Labor Market of Ethnic Minorities," IZA Discussion Papers 3814, Institute of Labor Economics (IZA).
- Navdeep S. Sahni & S. Christian Wheeler & Pradeep Chintagunta, 2018.
"Personalization in Email Marketing: The Role of Noninformative Advertising Content,"
Marketing Science, INFORMS, vol. 37(2), pages 236-258, March.
- Sahni, Navdeep S. & Wheeler, S. Christian & Chintagunta, Pradeep, 2016. "Personalization in Email Marketing: The Role of Non-informative Advertising Content," Research Papers 3409, Stanford University, Graduate School of Business.
- Jonathan Z. Zhang & Oded Netzer & Asim Ansari, 2014. "Dynamic Targeted Pricing in B2B Relationships," Marketing Science, INFORMS, vol. 33(3), pages 317-337, May.
- Zhenling Jiang & Tat Chan & Hai Che & Youwei Wang, 2021. "Consumer Search and Purchase: An Empirical Investigation of Retargeting Based on Consumer Online Behaviors," Marketing Science, INFORMS, vol. 40(2), pages 219-240, March.
- Duncan I. Simester & Peng Sun & John N. Tsitsiklis, 2006. "Dynamic Catalog Mailing Policies," Management Science, INFORMS, vol. 52(5), pages 683-696, May.
- Susan Athey & Christian Catalini & Catherine Tucker, 2017.
"The Digital Privacy Paradox: Small Money, Small Costs, Small Talk,"
NBER Working Papers
23488, National Bureau of Economic Research, Inc.
- Athey, Susan & Catalini, Christian & Tucker, Catherin E., 2017. "The Digital Privacy Paradox: Small Money, Small Costs, Small Talk," Research Papers 3498, Stanford University, Graduate School of Business.
- Avi Goldfarb & Catherine Tucker, 2012. "Shifts in Privacy Concerns," American Economic Review, American Economic Association, vol. 102(3), pages 349-353, May.
- James Campbell & Avi Goldfarb & Catherine Tucker, 2015. "Privacy Regulation and Market Structure," Journal of Economics & Management Strategy, Wiley Blackwell, vol. 24(1), pages 47-73, March.
- Mingfeng Lin & Nagpurnanand R. Prabhala & Siva Viswanathan, 2013. "Judging Borrowers by the Company They Keep: Friendship Networks and Information Asymmetry in Online Peer-to-Peer Lending," Management Science, INFORMS, vol. 59(1), pages 17-35, August.
- Lars Norden & Martin Weber, 2010. "Credit Line Usage, Checking Account Activity, and Default Risk of Bank Borrowers," The Review of Financial Studies, Society for Financial Studies, vol. 23(10), pages 3665-3699, October.
- Ben Shiller & Joel Waldfogel, 2011. "Music for a Song: An Empirical Look at Uniform Pricing and Its Alternatives," Journal of Industrial Economics, Wiley Blackwell, vol. 59(4), pages 630-660, December.
- Jie Zhang & Lakshman Krishnamurthi, 2004. "Customizing Promotions in Online Stores," Marketing Science, INFORMS, vol. 23(4), pages 561-578, June.
- David Besanko & Jean-Pierre Dubé & Sachin Gupta, 2003. "Competitive Price Discrimination Strategies in a Vertical Channel Using Aggregate Retail Data," Management Science, INFORMS, vol. 49(9), pages 1121-1138, September.
- de Janvry, Alain & McIntosh, Craig & Sadoulet, Elisabeth, 2010.
"The supply- and demand-side impacts of credit market information,"
Journal of Development Economics, Elsevier, vol. 93(2), pages 173-188, November.
- Alain de Janvry & Craig McIntosh & Elisabeth Sadoulet, 2006. "The supply and demand side impacts of credit market information," Proceedings, Federal Reserve Bank of San Francisco, issue Nov.
- Christian Catalini & Xiang Hui, 2018. "Online Syndicates and Startup Investment," NBER Working Papers 24777, National Bureau of Economic Research, Inc.
- Juanjuan Zhang & Peng Liu, 2012. "Rational Herding in Microloan Markets," Management Science, INFORMS, vol. 58(5), pages 892-912, May.
- Andrew Goodman-Bacon, 2018. "Difference-in-Differences with Variation in Treatment Timing," NBER Working Papers 25018, National Bureau of Economic Research, Inc.
- Liran Einav & Mark Jenkins & Jonathan Levin, 2013. "The impact of credit scoring on consumer lending," RAND Journal of Economics, RAND Corporation, vol. 44(2), pages 249-274, June.
- Jan Roelf Bult & Tom Wansbeek, 1995. "Optimal Selection for Direct Mail," Marketing Science, INFORMS, vol. 14(4), pages 378-394.
- Tucker, Catherine E., 2012. "The economics of advertising and privacy," International Journal of Industrial Organization, Elsevier, vol. 30(3), pages 326-329.
Citations
Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
Cited by:
- Xinlong Li & Andrew T. Ching, 2024. "How Does a Firm Adapt in a Changing World? The Case of Prosper Marketplace," Marketing Science, INFORMS, vol. 43(3), pages 673-693, May.
Most related items
These are the items that most often cite the same works as this one and are cited by the same works as this one.- Henk Kox & Bas Straathof & Gijsbert Zwart, 2017.
"Targeted advertising, platform competition, and privacy,"
Journal of Economics & Management Strategy, Wiley Blackwell, vol. 26(3), pages 557-570, September.
- Henk Kox & Bas Straathof & Gijsbert Zwart, 2014. "Targeted advertising, platform competition and privacy," CPB Discussion Paper 280, CPB Netherlands Bureau for Economic Policy Analysis.
- Mert Demirer & Diego Jimenez-Hernandez & Dean Li & Sida Peng, 2024. "Data, Privacy Laws and Firm Production: Evidence from the GDPR," Working Paper Series WP 2024-02, Federal Reserve Bank of Chicago.
- Ratul Das Chaudhury & Chongwoo Choe, 2023.
"Digital Privacy: GDPR and Its Lessons for Australia,"
Australian Economic Review, The University of Melbourne, Melbourne Institute of Applied Economic and Social Research, vol. 56(2), pages 204-220, June.
- Ratul Das Chaudhury & Chongwoo Choe, 2022. "Digital Privacy: GDPR and Its Lessons for Australia," Monash Economics Working Papers 2022-19, Monash University, Department of Economics.
- Michael Kummer & Patrick Schulte, 2019.
"When Private Information Settles the Bill: Money and Privacy in Google’s Market for Smartphone Applications,"
Management Science, INFORMS, vol. 65(8), pages 3470-3494, August.
- Kummer, Michael E. & Schulte, Patrick, 2016. "When private information settles the bill: Money and privacy in Google's market for smartphone applications," ZEW Discussion Papers 16-031, ZEW - Leibniz Centre for European Economic Research.
- Goic, Marcel & Rojas, Andrea & Saavedra, Ignacio, 2021. "The Effectiveness of Triggered Email Marketing in Addressing Browse Abandonments," Journal of Interactive Marketing, Elsevier, vol. 55(C), pages 118-145.
- Bleier, Alexander & Goldfarb, Avi & Tucker, Catherine, 2020. "Consumer privacy and the future of data-based innovation and marketing," International Journal of Research in Marketing, Elsevier, vol. 37(3), pages 466-480.
- Kurt P. Munz & Minah H. Jung & Adam L. Alter, 2020. "Name Similarity Encourages Generosity: A Field Experiment in Email Personalization," Marketing Science, INFORMS, vol. 39(6), pages 1071-1091, November.
- Anna D’Annunzio & Antonio Russo, 2020.
"Ad Networks and Consumer Tracking,"
Management Science, INFORMS, vol. 66(11), pages 5040-5058, November.
- Anna D'Annunzio & Antonio Russo, 2017. "Ad Networks and Consumer Tracking," CESifo Working Paper Series 6667, CESifo.
- Romana Khan & Michael Lewis & Vishal Singh, 2009. "Dynamic Customer Management and the Value of One-to-One Marketing," Marketing Science, INFORMS, vol. 28(6), pages 1063-1079, 11-12.
- Sabatino, Lorien & Sapi, Geza, 2022.
"Online privacy and market structure: Theory and evidence,"
Information Economics and Policy, Elsevier, vol. 60(C).
- Sabatino, Lorien & Sapi, Geza, 2019. "Online privacy and market structure: Theory and evidence," DICE Discussion Papers 308, Heinrich Heine University Düsseldorf, Düsseldorf Institute for Competition Economics (DICE).
- Jin, Ginger Zhe & Wagman, Liad, 2021. "Big data at the crossroads of antitrust and consumer protection," Information Economics and Policy, Elsevier, vol. 54(C).
- Michael R. Baye & David E. M. Sappington, 2020. "Revealing transactions data to third parties: Implications of privacy regimes for welfare in online markets," Journal of Economics & Management Strategy, Wiley Blackwell, vol. 29(2), pages 260-275, April.
- Adam N. Smith & Stephan Seiler & Ishant Aggarwal, 2023. "Optimal Price Targeting," Marketing Science, INFORMS, vol. 42(3), pages 476-499, May.
- Dost, Florian & Wilken, Robert & Eisenbeiss, Maik & Skiera, Bernd, 2014. "On the Edge of Buying: A Targeting Approach for Indecisive Buyers Based on Willingness-to-Pay Ranges," Journal of Retailing, Elsevier, vol. 90(3), pages 393-407.
- Long Chen & Yadong Huang & Shumiao Ouyang & Wei Xiong, 2021. "The Data Privacy Paradox and Digital Demand," Working Papers 2021-47, Princeton University. Economics Department..
- Thomas Reutterer & Kurt Hornik & Nicolas March & Kathrin Gruber, 2017. "A data mining framework for targeted category promotions," Journal of Business Economics, Springer, vol. 87(3), pages 337-358, April.
- Michiel Bijlsma & Carin van der Cruijsen & Nicole Jonker, 2024.
"Not all data are created equal - Data sharing and privacy,"
Applied Economics, Taylor & Francis Journals, vol. 56(11), pages 1250-1267, March.
- Michiel Bijlsma & Carin van der Cruijsen & Nicole Jonker, 2021. "Not all data are created equal - Data sharing and privacy," Working Papers 728, DNB.
- Daron Acemoglu & Ali Makhdoumi & Azarakhsh Malekian & Asu Ozdaglar, 2022.
"Too Much Data: Prices and Inefficiencies in Data Markets,"
American Economic Journal: Microeconomics, American Economic Association, vol. 14(4), pages 218-256, November.
- Daron Acemoglu & Ali Makhdoumi & Azarakhsh Malekian & Asuman Ozdaglar, 2019. "Too Much Data: Prices and Inefficiencies in Data Markets," NBER Working Papers 26296, National Bureau of Economic Research, Inc.
- Acemoglu, Daron & Makhdoumi, Ali & Ozdaglar, Asuman & Malekian, Azarakhsh, 2019. "Too Much Data: Prices and Inefficiencies in Data Markets," CEPR Discussion Papers 14225, C.E.P.R. Discussion Papers.
- Bertschek, Irene & Briglauer, Wolfgang & Hüschelrath, Kai & Krämer, Jan & Frübing, Stefan & Kesler, Reinhold & Saam, Marianne, 2016. "Metastudie zum Fachdialog Ordnungsrahmen für die Digitale Wirtschaft: Im Auftrag des Bundesministeriums für Wirtschaft und Energie (BMWi)," ZEW Expertises, ZEW - Leibniz Centre for European Economic Research, number 147040.
- Tesary Lin & Avner Strulov-Shlain, 2023. "Choice Architecture, Privacy Valuations, and Selection Bias in Consumer Data," Papers 2308.13496, arXiv.org.
More about this item
Keywords
value of verified data; digital verification; inclusive access to credit;All these keywords.
Statistics
Access and download statisticsCorrections
All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:inm:ormksc:v:41:y:2022:i:4:p:795-814. See general information about how to correct material in RePEc.
If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.
If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .
If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Chris Asher (email available below). General contact details of provider: https://edirc.repec.org/data/inforea.html .
Please note that corrections may take a couple of weeks to filter through the various RePEc services.