There has been increasing attention to privacy in the media and in regulatory discussions.
This is a consequence of the increased usefulness of digital data. The literature has …

Big data is changing every corner of economics and finance. The largest firms in the US
economy are valued chiefly for their data. Yet, these data are largely excluded from …

Data is nonrival: a person's location history, medical records, and driving data can be used
by many firms simultaneously. Nonrivalry leads to increasing returns. As a result, there may …

" According to historians, European trade took off at the end of the 12th century in what is
now the North of France, in the county of Champagne. 1 It is at this period that this county …

Marketers are adopting increasingly sophisticated ways to engage with customers
throughout their journeys. We extend prior perspectives on the customer journey by …

Open banking facilitates data sharing consented to by customers who generate the data,
with the regulatory goal of promoting competition between traditional banks and challenger …

A data intermediary acquires signals from individual consumers regarding their preferences.
The intermediary resells the information in a product market wherein firms and consumers …

We study personalized pricing in a general oligopoly model. The impact of personalized
pricing relative to uniform pricing hinges on the degree of market coverage. If market …

We uncover an informational synergy between FinTech lending and cashless payments.
Theoretically, FinTech lenders screen borrowers more efficiently when borrowers use …

We study the incentives of a digital business to collect and protect users' data. The users'
data the business collects improve the service it provides to consumers, but they may also …