Perceived Precautionary Savings Motives: Evidence from FinTech
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We study the spending response of first-time borrowers to an overdraft facility and elicit their preferences, beliefs, and motives through a FinTech application. Users increase their spending permanently, lower their savings rate, and reallocate spending from non-discretionary to discretionary goods
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美国国家经济研究局创建时间：
2020-03-01
