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294 results, from 51
  • Externe Monographien

    The Effect of Self-Control on Borrowing: Experimental Evidence

    This paper examines the effect of reduced self-control on debt-taking in a laboratory experiment. We manipulate self-control using an ego depletion task and show that it is effective. Following the ego depletion task, participants can anonymously buy hot drinks on credit. We find no significant average effects, but find that treated individuals that have low financial literacy are more likely to buy ...

    Munich: Collaborative Research Center Transregio 190, 2020, 36 S. : Anh.
    (Discussion paper / Rationality & Competition, CRC TRR 190 ; 264)
    | Antonia Grohmann, Jana Hamdan
  • Vierteljahrshefte zur Wirtschaftsforschung 4 / 2020

    Libra, Bitcoin & Co. - Determinants of Non-cash Payments and Alternative Money: Editorial

    2020| Dorothea Schäfer, Mechthild Schrooten, Armin Varmaz
  • Vierteljahrshefte zur Wirtschaftsforschung 4 / 2020

    Determinants of Financial Literacy among German Students: An Empirical Analysis

    Finanzkompetenzen haben für die gesellschaftliche Teilhabe eine hohe Bedeutung. Dieser Beitrag führt eine empirische Evaluation der Determinanten der Finanzkompetenz von Studierenden an einer deutschen Hochschule durch. Ein weiteres Ziel ist auch die Identifizierung der geschlechtsspezifischen Unterschiede bei der Finanzkompetenz. Die Evaluierung basiert auf der Definition und den Erhebungen zur Finanzkompetenz, ...

    2020| Katharina Riebe
  • Externe referierte Aufsätze

    Economic Competence in Early Secondary School: Evidence from a Large-Scale Assessment in Germany

    We employ a psychometrically validated performance test to study economic competence among representative sample of 1,687 early secondary school students in Southwest Germany. The rich dataset allows us to study variation in economic competence across school types and observable student characteristics. Our results show that economic competence is significantly lower among female students, migrants, ...

    In: International Review of Economics Education 35 (2020), 100172, 16 S. | Luis Oberrauch, Tim Kaiser
  • Externe Monographien

    Four Essays on the Economics of Digitization

    Der technische Fortschritt in den Informationstechnologien eröffnet beispiellose wirtschaftliche Möglichkeiten. Durch eine drastische Reduzierung der Kosten dieser Technologien ist es heute so einfach wie noch nie, Informationen und Wissen zu akquirieren, zu kommunizieren und Produkte und Dienstleistungen zu handeln. Die damit einhergehende Umwälzung der Wirtschaft wirft zahlreiche ökonomische Fragestellungen ...

    Berlin: TU Berlin, 2020, XIV, 159 S. | Maximilian Schäfer
  • Diskussionspapiere 1920 / 2020

    Subgroup Analysis of Investment Constraints: Evidence from Ugandan Microenterprises

    This study examines the effect of a soft commitment device in the form of a savings goal calendar on savings for small business owners in Kampala, Uganda. We run a randomized controlled trial (RCT) under which the treatment group receives a calendar designed to set savings goals and to make a plan to reach this goal. The control group is given a plain calendar. We find no average effect on savings, ...

    2020| Helke Seitz
  • Diskussionspapiere 1914 / 2020

    The Relationship between Financial Literacy and Financial Inclusion

    About two billion people in the world do not own a financial account and there are many more who use financial services only occasionally. In the past, initiatives which address these problems of financial exclusion focused on the supply side of financial markets, in particular by increasing the branch network of banks and by offering cheap bank products. While this had the desired effect, recent ...

    2020| Antonia Grohmann, Lukas Menkhoff
  • Diskussionspapiere 1912 / 2020

    Financial Literacy and Intertemporal Arbitrage

    We study the role of financial literacy for inter-temporal decision-making using an adapted version of the Convex Time Budget Protocol (Andreoni and Sprenger 2012). While we find no evidence of dynamically inconsistent preferences in the aggregate, we document substantial heterogeneity in choice-patterns and estimated parameters at the individual-level: We find that subjects with higher levels of financial ...

    2020| Luis Oberrauch, Tim Kaiser
  • Diskussionspapiere 1891 / 2020

    Inform Me When It Matters: Cost Salience, Energy Consumption, and Efficiency Investments

    Effective attention to information may play a prominent role in consumer choice for energy-intensive services and it may simply be a function of receiving timely information when consumption takes place. This paper investigates whether and why the timing of utility bills leads to salience bias in heat energy consumption. In Germany, the 12-month billing period varies across buildings with a significant ...

    2020| Puja Singhal
  • Diskussionspapiere 1888 / 2020

    Partitioned Pricing and Consumer Welfare

    In online commerce, obfuscation strategies by sellers are hypothesized to mislead consumers to their detriment and to the profit of sellers. One such obfuscation strategy is partitioned pricing in which the price is split into a base price and add-on fees. While empirical evidence suggests that partitioned pricing affects consumer decisions through salience effects, its consumer welfare consequences ...

    2020| Kevin Ducbao Tran
294 results, from 51
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