This paper presents evide ...

Merchant fees and reward programs generate an implicit monetary transfer to credit card users from non-card (or ¿cash¿) users because merchants generally do n

David Barnett is a small business expert who has owned 5 companies in his adult life. His experience in advertising, management, buying and selling companies an

Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in