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…
Digitalization alone is not the driving force behind the changes in housing and real estate. The driving force is innovation brought to the sector by the fresh approach of…
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…