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Offshoring research and development (R&D) commonly invokes concerns regarding the loss of high value jobs and a hollowing out of technological capabilities, but it can also benefit domestic firms by enabling them to tap into the global technological fronti ...
Technology-based (“FinTech”) lenders increased their market share of U.S. mortgage lending from 2% to 8% from 2010 to 2016. Using loan-level data on mortgage applications and originations, we show that FinTech lenders process mortgage applications 20% fast ...
The financial crisis of 2007-2009 drew attention to the essential role of banks for the macroeconomy and to the importance of having a resilient financial sector. A vulnerability in the financial sector spills over to the real economy and can drive it into ...
A contactless payment lets a card holder execute payment without any interaction (e.g., entering PIN or signing) between the terminal and the card holder. Even though the security is the first priority in a payment system, the formal security model of cont ...
This thesis develops three models that study the motivation of various agents to take on debt,
and the impact that excessive financial leverage can have on social welfare.
In the chapter "Short-term Bank Leverage and the Value of Liquid Reserves", the ince ...
La ville de Genève promeut depuis 2008 la densification de ses quartiers pour lutter contre l’étalement urbain. Ce projet s’inscrit dans cette politique en proposant la réhabilitation et la surélévation d’un îlot des années 1950. Celui-ci est composé de tr ...
Le projet de Master porte sur la conception et le dimensionnement d'une passerelle à mobilité douce dans le canton de Berne. Selon les donnés récues du concour d'idée, il faut rélier entre elles plusieurs zones séparées par la sortie de l'autoroute A6 "Ber ...
Les heures à perdre, les minutes que l’on noie dans les remous du quotidien. A l’heure où les gares tendent à devenir non seulement des lieux de transit, mais aussi des destinations en soi, la salle d’attente, qui n’est pas un lieu rentable, disparaît au p ...
En Suisse, les politiques publiques de transport peinent encore à réduire la place de la voiture dans les pratiques de mobilité quotidienne. L’enjeu majeur du report modal est d’adapter l’offre de transport à la demande. La réponse à cet enjeu implique une ...
This paper studies the impact of higher bank capital requirements on corporate lending spreads. We conduct an empirical analysis using granular bank- and loan-level data for Switzerland. Overall, we nd a positive relationship between capital ratios, actual ...
