The Relationship Dilemma: Organizational Culture and the Adoption of Credit Scoring Technology in Indian Banking

Mishra, Prachi; Prabhala, Nagpurnanand; Rajan, Raghuram G.

doi:10.2139/ssrn.3347299

SSRN Journal

2019

DOI: 10.2139/ssrn.3347299

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The Relationship Dilemma: Organizational Culture and the Adoption of Credit Scoring Technology in Indian Banking

Prachi Mishra

Nagpurnanand Prabhala

Raghuram G. Rajan

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“…For instance,Mishra, Prabhala & Rajan (2019) show that public sector banks in India have access to credit bureaus-a relatively new technology-but often do not use them to ratify existing borrowers in the banking system.www.annualreviews.org • Household Finance in Emerging Economies…”

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The Household Finance Landscape in Emerging Economies

Badarinza

Balasubramaniam

Ramadorai

2019

Annu. Rev. Financ. Econ.

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We survey the household finance landscape in emerging economies. We first present statistics on household balance sheets from official microsurveys in countries constituting 45% of the global population: China, India, Bangladesh, the Philippines, Thailand, and South Africa. We contrast these patterns with those in data from advanced economies. We then survey the nascent literature on household finance in emerging economies and discuss areas of overlap with the better-established literature on household finance in advanced economies, as well as the large body of literature on development finance. We highlight useful directions for future research.

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confidence: 99%

The Household Finance Landscape in Emerging Economies

Badarinza

Balasubramaniam

Ramadorai

2019

Annu. Rev. Financ. Econ.

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show abstract

How Voluntary Information Sharing Systems Form: Evidence from a U.S. Commercial Credit Bureau

2020

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The Relationship Dilemma: Organizational Culture and the Adoption of Credit Scoring Technology in Indian Banking

Cited by 2 publications

References 62 publications

The Household Finance Landscape in Emerging Economies

The Household Finance Landscape in Emerging Economies

How Voluntary Information Sharing Systems Form: Evidence from a U.S. Commercial Credit Bureau

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