IMF-数字支付垄断下的银行竞争与家庭隐私（英）-2023.6

# 数字支付 # 银行 # 家庭隐私大小：0.70M | 页数：55 | 上架时间：2023-06-16 | 语言：英文

IMF-数字支付垄断下的银行竞争与家庭隐私（英）-2023.6.pdf

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IMF-数字支付垄断下的银行竞争与家庭隐私（英）-2023.6.pdf

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类型: 行研

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撰写机构: IMF

出版日期: 2023-06-16

摘要：

Lenders can exploit households' payment data to infer their creditworthiness. When households value privacy, they then face a tradeoff between protecting such privacy and credit conditions. We study how the introduction of an informationally more intrusive digital payment vehicle affects households' cash use, credit access, and welfare. A tech monopolist controls the intrusiveness of the new payment method and manipulates information asymmetries among households and oligopolistic banks to extract data contracts that are more lucrative than lending on its own. The laissez-faire equilibrium entails a digital payment vehicle that is more intrusive than socially optimal, providing a rationale for regulation.

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