The digitization of residential energy—aided by the digitalization of information about energy usage—has spurred a revolution in energy-efficiency investments and helped…
Digitalization is transforming the mortgage market at every stage of the value chain. In this paper, we examine the potential for the mortgage industry to leverage…
This paper empirically and theoretically analyzes the effect of debt reductions that reduce long-term but not short-term obligations. Isolating the effect of future…