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Designing Dealer Compensation in the Auto Loan Market: Implications from a Policy Experiment
We study the design of dealer compensation policy in the indirect auto lending market, where most lenders give dealers the discretion …
Zhenling Jiang, Yanhao Wei, Tat Chan, Naser Hamdi
SSRN Abstract
The Value of Verified Employment Data for Consumer Lending: Evidence from Equifax
What is the value of verified employment data in consumer lending? We study this question using a data set covering all employment …
Tat Chan, Naser Hamdi, Xiang Hui, Zhenling Jiang
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An Empirical Bargaining Model with Left-digit Bias: A Study on Auto Loan Monthly Payments
This paper studies price bargaining when both parties have left-digit bias when processing numbers. The empirical analysis focuses on …
Zhenling Jiang
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How Does Bonus Payment Affect Auto Loan Demand and Delinquency?
This article studies how receiving a bonus changes consumers’ demand for auto loans and their risk of future delinquency. Unlike …
Zhenling Jiang, Dennis J. Zhang, Tat Chan
Cite DOI Abstract The New York Times
Can Non-tiered Customer Loyalty Programs Be Profitable?
We study the impact of launching a non-tiered customer loyalty program on consumers’ spending per visit, frequency of visits and …
Arun Gopalakrishnan, Zhenling Jiang, Yulia Nevskaya, Raphael Thomadsen
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Consumer Search and Purchase: An Empirical Investigation of Retargeting Based on Consumer Online Behaviors
This paper empirically investigates how marketers can retarget consumers who have searched online but did not purchase, based on their …
Zhenling Jiang, Tat Chan, Hai Che, Youwei Wang
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