| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w20956 |
| 来源ID | Working Paper 20956 |
| Unshrouding Effects on Demand for a Costly Add-on: Evidence from Bank Overdrafts in Turkey | |
| Sule Alan; Mehmet Cemalcılar; Dean Karlan; Jonathan Zinman | |
| 发表日期 | 2015-02-16 |
| 出版年 | 2015 |
| 语种 | 英语 |
| 摘要 | The pricing and advertising of tied add-ons and overages have come under increasing scrutiny. Working with a large Turkish bank to test SMS direct marketing promotions to 108,000 existing holders of “free” checking accounts, we find that promoting a large discount on the 60% APR charged for overdrafts reduces overdraft usage. In contrast, messages mentioning overdraft availability without mentioning price increase usage. Neither change persists long after messages stop, suggesting that induced overdrafting is not habit-forming. We discuss implications for interventions to promote transparency in pricing and advertising, and for models of shrouded equilibria, limited attention, and salience. |
| 主题 | Microeconomics ; Households and Firms |
| URL | https://www.nber.org/papers/w20956 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/578631 |
| 推荐引用方式 GB/T 7714 | Sule Alan,Mehmet Cemalcılar,Dean Karlan,et al. Unshrouding Effects on Demand for a Costly Add-on: Evidence from Bank Overdrafts in Turkey. 2015. |
| 条目包含的文件 | 条目无相关文件。 | |||||
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