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Berlin IO Day

The 13th Berlin IO Day (postponed to September 2022)

The Berlin IO Day is a one-day workshop sponsored by the Berlin Centre for Consumer Policies (BCCP) and supported by the Berlin's leading academic institutions, including DIW Berlin, ESMT Berlin, Humboldt-Universität zu Berlin, and Technische Universität Berlin. The aim is to create an international forum for high quality research in Industrial Organization in the heart of Berlin, one of...

23.09.2022| Rosa Ferrer, Holger Herz, Thomas Otter, Bertel Schjerning, Yossi Spiegel
Brown Bag Seminar Industrial Economics

GDPR and the Lost Generation of Innovative Apps

Using data on 4.1 million apps at the Google Play Store from 2016 to 2019, we document that GDPR induced the exit of about a third of available apps; and in the quarters following implementation, entry of new apps fell by half. We estimate a structural model of demand and entry in the app market. Comparing long-run equilibria with and without GDPR, we find that GDPR reduces consumer surplus and...

18.05.2022| Reinhold Kesler, University of Zurich
Diskussionspapiere 2004 / 2022

Durable Consumption, Limited VAT Pass-Through and Stabilization Effects of Temporary VAT Changes

This paper revives the question of whether a temporary VAT change is an adequate instrument for crisis stabilization. In empirical assessments, we find that durable goods consumption fluctuates strongly over the business cycle and that VAT rate changes affect durable goods in particular. Therefore, we build a dynamic stochastic general equilibrium (DSGE) model that is capable of addressing this major ...

2022| Marius Clemens, Werner Röger
Externe referierte Aufsätze

Active Learning Improves Financial Education: Experimental Evidence from Uganda

We conduct a randomized field experiment to study the effects of two financial education interventions offered to small-scale retailers in rural western Uganda. The treatments contrast “active learning” with traditional “lecturing” within standardized lesson-plans. After six months, active learning has a positive effect on savings and investment outcomes, in contrast to small or zero effects for lecturing. ...

In: Journal of Development Economics 157 (2022), 102870, 9 S. | Tim Kaiser, Lukas Menkhoff
Monographien

Financial Education Matters: Testing the Effectiveness of Financial Education Across 76 Randomized Experiments

Do financial education programs affect financial knowledge and behaviors? We examine this question using a meta-analysis that incorporates studies from the past decade, which saw a rapid increase in financial education research. When examining data from 76 financial education randomized experiments across 33 countries covering over 160,000 individuals, we find that financial education improves both ...

Denver: NEFE, 2022, 9 S.
(Insights: Financial Capability ; April 2022)
| Tim Kaiser, Annamaria Lusardi, Lukas Menkhoff, Carly Urban
Monographien

Intangible Capital and Productivity Divergence

Understanding the causes of the slowdown in aggregate productivity growth is key to maintaining the competitiveness of advanced economies and ensuring long-term economic prosperity. This paper is the first to provide evidence that investment in intangible capital, despite having a positive effect on productivity at the micro level, is a driver of the weak productivity performance at the aggregate level ...

Tilburg: Tilburg University, 2022, 69 S.
(TILEC Discussion Paper ; 2022-07)
| Marie Le Mouel, Alexander Schiersch
Monographien

Essays on the Impact of Behavioral Aspects and Education for Financial Development: Dissertation

Diese Arbeit untersucht den Einfluss verhaltensökonomischer Aspekte und Bildung für die finanzielle Entwicklung. Sie besteht aus vier Kapiteln, welche jeweils ein separates Forschungspapier darstellen. Die Kapitel decken folgende Themen ab: Determinanten einer impulsiven Kreditaufnahme, Hindernisse bei finanzieller Inklusion, die Auswirkungen von finanzieller Bildung und die finanziellen Folgen eines ...

Berlin: Humboldt-Univ., 2022, XVI, 186 S. | Jana Samira Hamdan
Zeitungs- und Blogbeiträge

Financial Education is Effective and Efficient

In: VoxEU.org (17.02.2022), [Online-Artikel] | Lukas Menkhoff, Tim Kaiser, Annamaria Lusardi, Carly Urban
Externe referierte Aufsätze

Financial Education Affects Financial Knowledge and Downstream Behaviors

We study the rapidly growing literature on the causal effects of financial education programs in a meta-analysis of 76 randomized experiments with a total sample size of over 160,000 individuals. Many of these experiments are published in top economics and finance journals. The evidence shows that financial education programs have, on average, positive causal treatment effects on financial knowledge ...

In: Journal of Financial Economics (2022), im Ersch. [online first: 2021-10-03] | Tim Kaiser, Annamaria Lusardi, Lukas Menkhoff, Carly Urband
Diskussionspapiere 1996 / 2022

The Effect of Social Comparison on Debt Taking: Experimental Evidence

A number of studies show that there is a link between social comparison and high levels of household debt. However, the exact mechanisms behind this link are not yet well understood. In this paper, we disentangle two mechanisms by performing a lab experiment designed to study the effects of social image concerns and peer information on consumption choices financed through debt taking. We find that ...

2022| Antonia Grohmann, Melanie Koch
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