Household finance literature review
From: Zach R.
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We survey the effects of FinTech on three different aspects of household finance: payments, lending and portfolio decisions. Specifically, we examine the impact of digital payments, mobile money, FinTech lending, marketplace lending, robo-advising and crowd-funding. Studies suggest that FinTech has positively benefited households by increasing consumption and borrowing. This allows them to smoothen their consumption across time. Furthermore, there is an improvement in their portfolio diversification. Nonetheless, there is also evidence that certain households overconsume and borrow beyond their means.
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Consumer finance/household finance: the definition and scope
Consumer finance/household finance: the definition and scope | Emerald Insight
Elgar Research Reviews consist of two principal components: a scholarly Review Article and a list of Recommended Readings. The Review Article prepared by a leading scholar introduces the relevant field of academic study by making reference to the seminal and most transformative articles within that field. This piece sets in context the readings that follow, illustrating how they have shaped the scholarship and why they are important to the development of the field. The Recommended Readings have full references to facilitate further research.
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Stulz ed. Discussion Papers. Orazio P. Dohmen, T.
The purpose of this literature review paper is to define consumer finance, describe the scope of consumer finance and discuss its future research directions. In this paper, consumer finance is used as a synonym of household finance. Consumers refer to individuals and families. Future research directions are also discussed. This paper discusses similarities and differences among several terms such as consumer finance, household finance, personal finance, family finance and behavioral finance.
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