Social expertise: a new view to explain spatial divergences in personal consumer loan prices

José Barrutia and Carmen Echebarria

The Service Industries Journal, 2008, vol. 30, issue 11, 1803-1816

Abstract: The objective of this paper is to explain geographical divergences in interest rates on personal loans to households using aggregated consumer knowledge-related metrics as predictors. The researchers quantitatively test their approach in countries in the Eurozone and in the Italian and Spanish regions. Social expertise explains between 69% and 84% of variance in household loan market prices at an international and inter-regional level. The approach taken is tested using real market data established after real service encounters and not published or recommended prices.

Date: 2008
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DOI: 10.1080/02642060802626808

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The Service Industries Journal is currently edited by Eileen Bridges, Professor Domingo Ribeiro, Ronald Goldsmith, Barry Howcroft and Youjae Yi

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