Digitalization promises to improve lives in homes, reducing energy consumption and costs while increasing convenience and comfort and enabling an increasingly senior…
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…
BABC 04-12: Credit scoring has helped to produce a robust credit environment and increase access to homeownership for millions of consumers. This paper examines the role…