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dc.contributor.authorDimitrov, Stanko
dc.contributor.authorCozzarin, Brian Paul 14:50:52 (GMT) 14:50:52 (GMT)
dc.description.abstractCanadian consumers have a debt problem and averaged a nationwide debt-to-income ratio of 1.654 in 2016. Based on current research, it is unclear whether e-banking has a positive or negative impact on this ratio. This paper hypothesises that e-banking increases consumer access to capital, and - using Canadian nationwide survey data - discovers that e-banking enhances the consumer's ability to access debt, thus leading to an increase of the debt-to-income ratio by two dollars more for every dollar earned. We suspect that the higher willingness to pay, along with preferring to be rejected for a loan via a web portal, leads to customers using e-banking to request loans via an e-banking portal as opposed to going to the bank. Concluding, this paper recommends an increase in government monitoring of the relationship between e-banking and personal debt.en
dc.relation.ispartofseriesInternational Journal of Electronic Banking;
dc.subjectconsumer debten
dc.subjectelectronic bankingen
dc.subjectdebt-to-income ratioen
dc.subjectCanadian Financial Capability Surveyen
dc.titleE-banking and consumer debten
dcterms.bibliographicCitationDimitrov, S., & Cozzarin, B. P. (2021). E-banking and consumer debt. International Journal of Electronic Banking, 3(1), 27–38.
uws.contributor.affiliation1Faculty of Engineeringen
uws.contributor.affiliation2Management Sciencesen

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