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E-banking and consumer debt

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dc.contributor.authorDimitrov, Stanko
dc.contributor.authorCozzarin, Brian Paul
dc.date.accessioned2021-09-17T14:50:52Z
dc.date.available2021-09-17T14:50:52Z
dc.date.issued2021-01-01
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.identifier.urihttps://doi.org/10.1504/IJEBANK.2021.117373
dc.identifier.urihttp://hdl.handle.net/10012/17412
dc.language.isoenen
dc.publisherInderscienceen
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
dc.typeArticleen
dcterms.bibliographicCitationDimitrov, S., & Cozzarin, B. P. (2021). E-banking and consumer debt. International Journal of Electronic Banking, 3(1), 27–38. https://doi.org/10.1504/IJEBANK.2021.117373en
uws.contributor.affiliation1Faculty of Engineeringen
uws.contributor.affiliation2Management Sciencesen
uws.peerReviewStatusRevieweden
uws.scholarLevelFacultyen
uws.typeOfResourceTexten

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