Details about Martin Brown

Access statistics for papers by Martin Brown.

Last updated 2025-03-14. Update your information in the RePEc Author Service.

Short-id: pbr129

Working Papers

2025

1. Consumer Adoption and Use of Payment Technology: Convenience Benefits vs. Security Concerns
   Working Papers, Swiss National Bank, Study Center Gerzensee

2024

2. How do Retail Investors Adapt to Exchange Rate Shocks?
   Swiss Finance Institute Research Paper Series, Swiss Finance Institute

2023

3. Cashless payments and consumer spending
   Working Papers, Swiss National Bank
4. Communication and Hidden Action: A Credit Market Experiment
   Working Papers, Swiss National Bank, Study Center Gerzensee
   See also Journal Article Communication and hidden action: A credit market experiment, Journal of Economic Behavior & Organization, Elsevier (2024) View citations (1) (2024)
5. Consumer adoption and use of financial technology: "tap and go" payments
   Working Papers, Swiss National Bank
6. Monitoring Consumption Switzerland: Data, Background, and Use Cases
   Economics Working Paper Series, University of St. Gallen, School of Economics and Political Science View citations (3)
   See also Journal Article Monitoring consumption Switzerland: data, background, and use cases, Swiss Journal of Economics and Statistics, Springer (2023) View citations (3) (2023)
7. Moral Constraints, Social Norm Enforcement and Strategic Default in Weak and Strong Economic Conditions
   Working Papers, Swiss National Bank, Study Center Gerzensee

2020

8. Communication, Credit Provision and Loan Repayment: Evidence from a Person-to-Person Lending Experiment
   Working Papers on Finance, University of St. Gallen, School of Finance
9. Financial Innovation, Payment Choice and Cash Demand - Causal Evidence from the Staggered Introduction of Contactless Debit Cards
   Working Papers on Finance, University of St. Gallen, School of Finance View citations (18)
10. Financial Innovation, Payment Choice and Cash Demand – Causal Evidence from the Staggered Introduction of Contactless Debit Cards (Martin Brown,Nicole Hentschel, Hannes Mettler, Helmut Stix)
    Working Papers, Oesterreichische Nationalbank (Austrian Central Bank) View citations (8)

2017

11. Banking Crises, Bail-ins and Money Holdings
    Working Papers, Central Bank of Cyprus View citations (3)
12. Culture and Financial Literacy
    Working Papers on Finance, University of St. Gallen, School of Finance View citations (4)
13. Deposit Withdrawals from Distressed Commercial Banks: The Importance of Switching Costs
    Working Papers on Finance, University of St. Gallen, School of Finance View citations (12)
14. Numeracy and the quality of on-the-job decisions: Evidence from loan officers
    ZEW Discussion Papers, ZEW - Leibniz Centre for European Economic Research
    Also in Working Papers on Finance, University of St. Gallen, School of Finance (2017)
15. Social Norms and Strategic Default
    Working Papers on Finance, University of St. Gallen, School of Finance View citations (2)

2016

16. Liquidity Constraints, Wealth Transfers and Home Ownership
    Working Papers on Finance, University of St. Gallen, School of Finance View citations (1)
17. The Threat of Exclusion and Implicit Contracting
    Working Papers on Finance, University of St. Gallen, School of Finance View citations (1)
    Also in CESifo Working Paper Series, CESifo (2016) View citations (1)

2015

18. Deposit Withdrawals from Distressed Commercial Banks
    VfS Annual Conference 2015 (Muenster): Economic Development - Theory and Policy, Verein für Socialpolitik / German Economic Association View citations (14)
19. Internal Control and Strategic Communication within Firms – Evidence from Bank Lending
    Working Papers on Finance, University of St. Gallen, School of Finance View citations (4)
20. Regional Inflation and Financial Dollarization
    HIT-REFINED Working Paper Series, Institute of Economic Research, Hitotsubashi University View citations (6)
    Also in Other publications TiSEM, Tilburg University, School of Economics and Management (2013) View citations (3)
    Discussion Paper, Tilburg University, Center for Economic Research (2013) View citations (3)
    Working Papers on Finance, University of St. Gallen, School of Finance (2013) View citations (3)
21. Regional Inflation, Financial Integration and Dollarization
    Other publications TiSEM, Tilburg University, School of Economics and Management View citations (5)
22. Regional Inflation, Financial Integration and Dollarization (This is a revision of CentER DP 2013-073)
    Other publications TiSEM, Tilburg University, School of Economics and Management
    Also in Discussion Paper, Tilburg University, Center for Economic Research (2015) View citations (3)
23. Relationship Banking in the Residential Mortgage Market? Evidence from Switzerland
    Working Papers on Finance, University of St. Gallen, School of Finance View citations (3)
    See also Journal Article Relationship Banking in the Residential Mortgage Market? Evidence from Switzerland, Swiss Journal of Economics and Statistics (SJES), Swiss Society of Economics and Statistics (SSES) (2016) View citations (4) (2016)
24. The Exposure of Mortgage Borrowers to Interest Rate Risk, Income Risk and House Price Risk – Evidence from Swiss Loan Application Data
    Working Papers on Finance, University of St. Gallen, School of Finance View citations (10)

2014

25. Credit Booms and Busts in Emerging Markets: The Role of Bank Governance and Risk Managment
    Working Papers on Finance, University of St. Gallen, School of Finance View citations (2)
26. The Euroization of Bank Deposits in Eastern Europe
    Working Papers, Oesterreichische Nationalbank (Austrian Central Bank) View citations (17)
    Also in Working Papers on Finance, University of St. Gallen, School of Finance (2014) View citations (17)
    See also Journal Article The euroization of bank deposits in Eastern Europe, Economic Policy, CEPR, CESifo, Sciences Po (2015) View citations (44) (2015)
27. Understanding bank-run contagion
    Working Paper Series, European Central Bank View citations (14)
    See also Journal Article Understanding Bank-Run Contagion, Management Science, INFORMS (2017) View citations (23) (2017)

2013

28. Financial Literacy, Household Investment and Household Debt: Evidence from Switzerland
    Working Papers on Finance, University of St. Gallen, School of Finance View citations (13)
29. Microfinance Banks and Household Access to Finance
    Working Papers on Finance, University of St. Gallen, School of Finance View citations (7)
30. Start-up financing: How credit ratings and bank concentration impact credit access
    ZEW policy briefs, ZEW - Leibniz Centre for European Economic Research
31. The transmission of banking crises to households: lessons from the 2008-2011 crises in the ECA region
    Policy Research Working Paper Series, The World Bank View citations (5)
32. Transaction Taxes, Capital Gains Taxes and House Prices
    Working Papers, Swiss National Bank View citations (18)

2012

33. Contagious Bank Runs: Experimental Evidence
    Working Papers on Finance, University of St. Gallen, School of Finance View citations (17)
34. Debt Enforcement and Relational Contracting
    Working Papers, Departament Empresa, Universitat Autònoma de Barcelona
35. Foreign banks and foreign currency lending in emerging Europe
    MPRA Paper, University Library of Munich, Germany View citations (100)
    See also Journal Article Foreign banks and foreign currency lending in emerging Europe, Economic Policy, CEPR, CESifo, Sciences Po (2012) View citations (71) (2012)
36. How do banks screen innovative firms? Evidence from start-up panel data
    ZEW Discussion Papers, ZEW - Leibniz Centre for European Economic Research View citations (15)
37. Information Asymmetry and Foreign Currency Borrowing by Small Firms
    Working Papers, Swiss National Bank
    Also in Discussion Paper, Tilburg University, Center for Economic Research (2011) View citations (62)
    Other publications TiSEM, Tilburg University, School of Economics and Management (2011) View citations (12)
    Other publications TiSEM, Tilburg University, School of Economics and Management (2011) View citations (20)
    See also Journal Article Information Asymmetry and Foreign Currency Borrowing by Small Firms, Comparative Economic Studies, Palgrave Macmillan (2014) View citations (17) (2014)
38. Information or Insurance? On the Role of Loan Officer Discretion in Credit Assessment
    Mo.Fi.R. Working Papers, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences View citations (16)
    Also in Working Papers on Finance, University of St. Gallen, School of Finance (2012) View citations (17)
39. Who needs credit and who gets credit in Eastern Europe?
    Working Paper Series, European Central Bank View citations (11)
    Also in Other publications TiSEM, Tilburg University, School of Economics and Management (2010) View citations (7)
    Working Papers, Swiss National Bank (2010) View citations (16)
    Other publications TiSEM, Tilburg University, School of Economics and Management (2010) View citations (7)
    Discussion Paper, Tilburg University, Center for Economic Research (2010) View citations (8)
    See also Journal Article Who needs credit and who gets credit in Eastern Europe?, Economic Policy, CEPR, CESifo, Sciences Po (2011) View citations (154) (2011)

2011

40. Competition and Relational Contracts: The Role of Unemployment as a Disciplinary Device
    Discussion Paper Series of SFB/TR 15 Governance and the Efficiency of Economic Systems, Free University of Berlin, Humboldt University of Berlin, University of Bonn, University of Mannheim, University of Munich View citations (5)
    Also in Working Papers, Swiss National Bank (2008) View citations (13)
    IZA Discussion Papers, Institute of Labor Economics (IZA) (2008) View citations (13)
    See also Journal Article COMPETITION AND RELATIONAL CONTRACTS: THE ROLE OF UNEMPLOYMENT AS A DISCIPLINARY DEVICE, Journal of the European Economic Association, European Economic Association (2012) View citations (42) (2012)
41. Debt overhang in emerging Europe ?
    Policy Research Working Paper Series, The World Bank View citations (20)
42. Foreign Currency Loans - Demand or Supply Driven?
    Working Papers, Swiss National Bank View citations (11)
    Also in Other publications TiSEM, Tilburg University, School of Economics and Management (2009) View citations (8)
    Proceedings of the German Development Economics Conference, Hannover 2010, Verein für Socialpolitik, Research Committee Development Economics (2010) View citations (35)
    CEPR Discussion Papers, C.E.P.R. Discussion Papers (2010) View citations (50)
    Other publications TiSEM, Tilburg University, School of Economics and Management (2009) View citations (8)
    Discussion Paper, Tilburg University, Center for Economic Research (2009) View citations (8)
43. The Threat of Exclusion and Relational Contracting
    Discussion Papers in Economics, University of Munich, Department of Economics View citations (2)
44. Use of Banking Services in Emerging Markets -Household-Level Evidence (Replaces CentER DP 2010-092)
    Discussion Paper, Tilburg University, Center for Economic Research View citations (6)
    Also in Other publications TiSEM, Tilburg University, School of Economics and Management (2011) View citations (4)
45. Use of Banking Services in Emerging Markets -Household-Level Evidence (Replaces EBC DP 2010-025)
    Other publications TiSEM, Tilburg University, School of Economics and Management View citations (4)
46. Use of Banking Services in Emerging Markets--Household-Level Evidence
    CEPR Discussion Papers, C.E.P.R. Discussion Papers View citations (9)
47. Which Households Use Banks? Evidence from the Transition Economies
    BCL working papers, Central Bank of Luxembourg View citations (33)
    Also in Working Papers, Swiss National Bank (2011) View citations (34)
    Working Paper Series, European Central Bank (2011) View citations (35)

2010

48. Foreign Currency Lending in Emerging Europe: Bank Level Evidence
    Other publications TiSEM, Tilburg University, School of Economics and Management View citations (18)
    Also in Other publications TiSEM, Tilburg University, School of Economics and Management (2010) View citations (15)
    Discussion Paper, Tilburg University, Center for Economic Research (2010) View citations (19)
49. Relational Contracting Under the Threat of Expropriation – Experimental Evidence
    Other publications TiSEM, Tilburg University, School of Economics and Management
    Also in Discussion Paper, Tilburg University, Center for Economic Research (2010) View citations (1)
    Other publications TiSEM, Tilburg University, School of Economics and Management (2010)

2009

50. Foreign Currency Borrowing by Small Firms
    CEPR Discussion Papers, C.E.P.R. Discussion Papers View citations (33)
    Also in Working Papers, Swiss National Bank (2009) View citations (30)

2008

51. Currency Denomination of Bank Loans: Evidence from Small Firms in Transition Countries
    Discussion Paper, Tilburg University, Center for Economic Research View citations (14)
    Also in Other publications TiSEM, Tilburg University, School of Economics and Management (2008) View citations (8)
52. Information Sharing and Credit: Firm-Level Evidence from Transition Countries
    Discussion Papers, D.E.S. (Department of Economic Studies), University of Naples "Parthenope", Italy View citations (21)
    Also in Proceedings of the German Development Economics Conference, Zurich 2008, Verein für Socialpolitik, Research Committee Development Economics (2008) View citations (9)
    CEPR Discussion Papers, C.E.P.R. Discussion Papers (2007) View citations (28)
    Working Papers, Swiss National Bank (2007) View citations (20)
    CFS Working Paper Series, Center for Financial Studies (CFS) (2008) View citations (10)
    CSEF Working Papers, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy (2007) View citations (17)
    See also Journal Article Information sharing and credit: Firm-level evidence from transition countries, Journal of Financial Intermediation, Elsevier (2009) View citations (296) (2009)
53. On Reputation: A Microfoundation of Contract Enforcement and Price Rigidity
    Working Papers, Swiss National Bank
    Also in IEW - Working Papers, Institute for Empirical Research in Economics - University of Zurich (2008)
    IZA Discussion Papers, Institute of Labor Economics (IZA) (2008) View citations (2)
    See also Journal Article On Reputation: A Microfoundation of Contract Enforcement and Price Rigidity, Economic Journal, Royal Economic Society (2009) View citations (54) (2009)
54. The Emergence of Information Sharing in Credit Markets
    Working Papers, Swiss National Bank View citations (1)
    Also in IEW - Working Papers, Institute for Empirical Research in Economics - University of Zurich (2007) View citations (1)
    See also Journal Article The emergence of information sharing in credit markets, Journal of Financial Intermediation, Elsevier (2010) View citations (64) (2010)

2007

55. Banking Sector Reform and Interest Rates in Transition Economies: Bank-Level Evidence from Kyrgyzstan
    Working Papers, Swiss National Bank View citations (3)

2006

56. Credit Reporting, Relationship Banking, and Loan Repayment
    Working Papers, Swiss National Bank View citations (6)
    See also Journal Article Credit Reporting, Relationship Banking, and Loan Repayment, Journal of Money, Credit and Banking, Blackwell Publishing (2007) View citations (35) (2007)

2005

57. Credit Registries, Relationship Banking and Loan Repayment
    IEW - Working Papers, Institute for Empirical Research in Economics - University of Zurich View citations (10)

2003

58. Relational Contracts and the Nature of Market Interactions
    IZA Discussion Papers, Institute of Labor Economics (IZA) View citations (12)
    See also Journal Article Relational Contracts and the Nature of Market Interactions, Econometrica, Econometric Society (2004) View citations (310) (2004)

2002

59. Contractual Incompleteness and the Nature of Market Interactions
    CEPR Discussion Papers, C.E.P.R. Discussion Papers View citations (16)
    Also in IEW - Working Papers, Institute for Empirical Research in Economics - University of Zurich View citations (11)

Journal Articles

2024

1. Communication and hidden action: A credit market experiment
   Journal of Economic Behavior & Organization, 2024, 218, (C), 423-455 View citations (1)
   See also Working Paper Communication and Hidden Action: A Credit Market Experiment, Working Papers (2023) (2023)

2023

2. Monitoring consumption Switzerland: data, background, and use cases
   Swiss Journal of Economics and Statistics, 2023, 159, (1), 1-16 View citations (3)
   See also Working Paper Monitoring Consumption Switzerland: Data, Background, and Use Cases, Economics Working Paper Series (2023) View citations (3) (2023)

2022

3. The convenience of electronic payments and consumer cash demand
   Journal of Monetary Economics, 2022, 130, (C), 86-102 View citations (3)

2020

4. Deposit withdrawals from distressed banks: Client relationships matter
   Journal of Financial Stability, 2020, 46, (C) View citations (24)
5. NUMERACY AND ON‐THE‐JOB PERFORMANCE: EVIDENCE FROM LOAN OFFICERS
   Economic Inquiry, 2020, 58, (2), 998-1022
6. Negative Interest Rates and Bank Lending
   CESifo Forum, 2020, 21, (01), 18-23 View citations (4)

2019

7. Borrowing Constraints, Home Ownership and Housing Choice: Evidence from Intra‐Family Wealth Transfers
   Journal of Money, Credit and Banking, 2019, 51, (2-3), 539-580 View citations (8)

2018

8. Culture and financial literacy: Evidence from a within-country language border
   Journal of Economic Behavior & Organization, 2018, 150, (C), 62-85 View citations (36)
9. Regional Inflation, Banking Integration, and Dollarization*
   (On the unstable relationship between exchange rates and macroeconomic fundamentals)
   Review of Finance, 2018, 22, (6), 2073-2108 View citations (2)
10. Swiss Journal of Economics and Statistics
    Swiss Journal of Economics and Statistics, 2018, 154, (1), 1-2

2017

11. Credit booms and busts in emerging markets
    The Economics of Transition, 2017, 25, (3), 377-437 View citations (3)
12. Understanding Bank-Run Contagion
    Management Science, 2017, 63, (7), 2272-2282 View citations (23)
    See also Working Paper Understanding bank-run contagion, Working Paper Series (2014) View citations (14) (2014)

2016

13. Microfinance Banks and Financial Inclusion
    Review of Finance, 2016, 20, (3), 907-946 View citations (52)
14. Relationship Banking in the Residential Mortgage Market? Evidence from Switzerland
    Swiss Journal of Economics and Statistics (SJES), 2016, 152, (I), 23-48 View citations (4)
    Also in Swiss Journal of Economics and Statistics, 2016, 152, (1), 23-48 (2016) View citations (3)
    See also Working Paper Relationship Banking in the Residential Mortgage Market? Evidence from Switzerland, Working Papers on Finance (2015) View citations (3) (2015)

2015

15. Foreign bank ownership and household credit
    Journal of Financial Intermediation, 2015, 24, (4), 466-486 View citations (33)
16. The Exposure of Mortgage Borrowers to Interest Rate Risk and House Price Risk – Evidence from Swiss Loan Application Data
    Swiss Journal of Economics and Statistics (SJES), 2015, 151, (II), 3-37 View citations (11)
17. The euroization of bank deposits in Eastern Europe
    Economic Policy, 2015, 30, (81), 95-139 View citations (44)
    See also Working Paper The Euroization of Bank Deposits in Eastern Europe, Working Papers (2014) View citations (17) (2014)

2014

18. Bank Funding, Securitization, and Loan Terms: Evidence from Foreign Currency Lending
    Journal of Money, Credit and Banking, 2014, 46, (7), 1501-1534 View citations (36)
19. Information Asymmetry and Foreign Currency Borrowing by Small Firms
    Comparative Economic Studies, 2014, 56, (1), 110-131 View citations (17)
    See also Working Paper Information Asymmetry and Foreign Currency Borrowing by Small Firms, Working Papers (2012) (2012)

2012

20. COMPETITION AND RELATIONAL CONTRACTS: THE ROLE OF UNEMPLOYMENT AS A DISCIPLINARY DEVICE
    Journal of the European Economic Association, 2012, 10, (4), 887-907 View citations (42)
    See also Working Paper Competition and Relational Contracts: The Role of Unemployment as a Disciplinary Device, Discussion Paper Series of SFB/TR 15 Governance and the Efficiency of Economic Systems (2011) View citations (5) (2011)
21. Foreign banks and foreign currency lending in emerging Europe
    (Capital structure and financial risk: evidence from foreign debt use in East Asia)
    Economic Policy, 2012, 27, (69), 57-98 View citations (71)
    See also Working Paper Foreign banks and foreign currency lending in emerging Europe, MPRA Paper (2012) View citations (100) (2012)
22. Microfinance Commercialization and Mission Drift
    Die Unternehmung - Swiss Journal of Business Research and Practice, 2012, 66, (4), 340-357 View citations (1)

2011

23. Foreign currency borrowing by small firms in the transition economies
    Journal of Financial Intermediation, 2011, 20, (3), 285-302 View citations (81)
24. Who needs credit and who gets credit in Eastern Europe?
    (Interaction terms in logit and probit models)
    Economic Policy, 2011, 26, (65), 93-130 View citations (154)
    See also Working Paper Who needs credit and who gets credit in Eastern Europe?, Working Paper Series (2012) View citations (11) (2012)

2010

25. The emergence of information sharing in credit markets
    Journal of Financial Intermediation, 2010, 19, (2), 255-278 View citations (64)
    See also Working Paper The Emergence of Information Sharing in Credit Markets, Working Papers (2008) View citations (1) (2008)

2009

26. Information sharing and credit: Firm-level evidence from transition countries
    Journal of Financial Intermediation, 2009, 18, (2), 151-172 View citations (296)
    See also Working Paper Information Sharing and Credit: Firm-Level Evidence from Transition Countries, Discussion Papers (2008) View citations (21) (2008)
27. On Reputation: A Microfoundation of Contract Enforcement and Price Rigidity
    Economic Journal, 2009, 119, (536), 333-353 View citations (54)
    Also in Economic Journal, 2009, 119, (536), 333-353 (2009) View citations (60)
    See also Working Paper On Reputation: A Microfoundation of Contract Enforcement and Price Rigidity, Working Papers (2008) (2008)
28. Remittance Outflows from Switzerland
    Aussenwirtschaft, 2009, 64, (01), 7-18 View citations (1)
29. Swiss Franc Lending in Europe
    Aussenwirtschaft, 2009, 64, (02), 167-181 View citations (28)
30. The impact of banking sector reform in a transition economy: Evidence from Kyrgyzstan
    Journal of Banking & Finance, 2009, 33, (9), 1677-1687 View citations (9)

2007

31. Credit Reporting, Relationship Banking, and Loan Repayment
    Journal of Money, Credit and Banking, 2007, 39, (8), 1883-1918 View citations (35)
    Also in Journal of Money, Credit and Banking, 2007, 39, (8), 1883-1918 (2007) View citations (123)
    See also Working Paper Credit Reporting, Relationship Banking, and Loan Repayment, Working Papers (2006) View citations (6) (2006)

2004

32. Relational Contracts and the Nature of Market Interactions
    Econometrica, 2004, 72, (3), 747-780 View citations (310)
    See also Working Paper Relational Contracts and the Nature of Market Interactions, IZA Discussion Papers (2003) View citations (12) (2003)

1999

33. Financial Decision-Making: Are Women Really More Risk-Averse?
    American Economic Review, 1999, 89, (2), 381-385 View citations (337)