 |
A Service to the Financial Community
This study is conducted by the Consumer Finance Research Group operating out of the Center for Human Resource Research at
|
Our data can answer
questions such as:
- What sorts of interest rate offers
are most attractive to consumers?
- What are the features consumers find
most attractive?
- What factors predict the longevity
of credit card accounts?
- Is the credit-worthiness of credit
card users improving or declining?
- Do consumer balance sheets suggest a
need for stricter underwriting standards for credit card customers?
- How default and turnover by credit card
users be predicted?
- How do the credit worthiness metrics
of an issuer compare to national norms?
- Is the liquidity of the consumer
improving or declining?
- Is consumer confidence improving or
declining?
- Who are we losing customers to and
why?
- Which methods of payment are
expanding and for which expenditure categories?
- How are home equity lines of credit
affecting the market for credit cards?
What we offer
- Data unmatched for timeliness scope
and relevance for financial institutions
- Measures validated during four years
of data collection for the state of
- Experienced senior project
leadership in the areas of data collection, econometrics and the analysis
of financial data
- Opportunities for workshops
Executive Summaries:
How Consumers Shop for
Credit Cards
A New Debt Index to Track
Consumers’ Credit Card Debt Consolidation
Determining the Choice Between
HELOC and Credit Card Borrowing
Marketing
to Refinancers versus Home Buyers
How Credit Card Debt &
Repayment Rates Change with Age
How Collateral
Signals Risk in the HELOC Market
Using Credit Card in a Ponzi Scheme
How Consumers Build the
Expectations of Inflation and Income Growth into Credit Card Borrowing
How Customers Learn About and
Decide to Use Online Banking Services
Home Bank Versus
External Bank Credit Card Holding
What Kind of Consumers
Search for Credit Cards
Consumers Understanding of
Interest Rate & APR