{"product_id":"9783030882303","title":"Consumer Credit in Europe: Macro- and Microeconomic Perspectives","description":"\u003ch1\u003eConsumer Credit in Europe: Macro- and Microeconomic Perspectives\u003c\/h1\u003e \u003ch2\u003eLissowska, Maria\u003c\/h2\u003e \u003cp\u003e\u003c\/p\u003e\u003cp\u003eThis book provides a comprehensive outlook on the state and role of consumer credits in the European economy and households. It underlines the role of consumerism and digitalisation, in the framework of legislation. It covers two major turns in consumer credit evolution: the 2008 crisis and Covid pandemic. The first had socio-economic sources, the second one was an external event, but provoked important changes in consumer behaviour. Lockdowns deepened the preference for digital financial products. FinTech and BigData operators acquired broader opportunities with the development of distance services.\u003c\/p\u003e\u003cp\u003eThese new financial services need adapted legislation. The recently published project of Consumer Credits Directive covers new means of communication, such as smartphones, and extends rules to new ways of crediting, like crowdfunding.\u003c\/p\u003eConsumer credit availability changed the behaviour of households. The propensity of poorer households to save faded due to the ease of getting credit. However, financial insecurity during the Coronavirus pandemic made households limit credits and build precautionary savings.\u003cp\u003e \u003c\/p\u003e \u003ch3\u003eDetails\u003c\/h3\u003e \u003cp\u003ePublished by: Palgrave Macmillan\u003c\/p\u003e \u003cp\u003ePublication Date: 2021-11-25\u003c\/p\u003e \u003cp\u003eFormat: Hardcover\u003c\/p\u003e \u003cp\u003eISBN-13: 9783030882303\u003c\/p\u003e \u003cp\u003eDOI: 10.1007\/978-3-030-88231-0\u003c\/p\u003e \u003cp\u003eDimensions: 210cm x148cm\u003c\/p\u003e \u003cp\u003ePages: 129\u003c\/p\u003e ","brand":"Springer International Publishing","offers":[{"title":"Default Title","offer_id":47531816747148,"sku":"9783030882303","price":58.49,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0710\/9545\/1788\/files\/9783030882303.jpg?v=1776054155","url":"https:\/\/lateknightbooks.com\/products\/9783030882303","provider":"Late Knight Books and Services, LLC","version":"1.0","type":"link"}