Josh Frank is Senior Researcher for the Center for Responsible Lending. Josh received his Ph.D. in Economics from Rensselaer Polytechnic Institute, his MBA from Texas Tech, and his BA from the University of California at San Diego. At CRL, he conducts research primarily on credit card issues...
Wim Westerman is a fellow of the University of Groningen’s Center for International Banking, Insurance and Finance. Wim specializes in treasury management, capital budgeting, and management control in the Netherlands, the rest of Europe, and South Africa. He writes regularly about issues in scientific and...
Dr. Hyytinen works currently as Professor of Economics at the School of Business and Economics at the University of Jyväskylä, Finland. Before joining the university, he worked at the Financial Markets and Statistics Department of the Bank of Finland and at the Research Institute of...
David VanHoose earned his B.A. in economics at Indiana University and his Ph.D. in economics at the University of North Carolina at Chapel Hill. He is currently the Herman W. Lay Professor of Private Enterprise at the Hankamer School of Business at Baylor University. VanHoose...
Wilko Bolt is a Senior Economist in the research department at De Nederlandsche Bank in Amsterdam. He received his PhD in economics from the Vrije Universiteit of Amsterdam. His current research focuses on the economics of payments and the theory of two-sided markets and its...
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Karen L. Webster, President of Market Platform Dynamics, interviews Olivier Toubia, Associate Professor of Business, Columbia Business School and author of Deriving Value From Social Commerce. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS...
The credit card industry is highly concentrated. Ninety percent of the lending market is controlled by the top 10 issuers, yet there still appears to be fierce competition for balances and customers among these top issuers. However, there is a widespread belief that pricing is...
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