Plan de negocio para una aplicaci?n utilitaria que junta los descuentos que las empresas otorgan a sus clientes

En el Per? los bancos, compa??as de telefon?a y de seguro, entre otros, otorgan a sus clientes programas de lealtad, a los cuales se accede a trav?s de aplicaciones, sin embargo, un gran porcentaje de los clientes no usan dichos programas, por desconocimiento o porque descargar tantas aplicaciones, genera problemas t?cnicos, en los smartphones. Ante tal situaci?n el presente proyecto desarrolla una aplicaci?n llamada ?ypagamenos? que junta, muestra y compara los descuentos que otorgan los programas de lealtad, a cada cliente de forma individual y a los cuales acceder?an con solo ingresar el n?mero de su DNI; as? el uso de los descuentos y beneficios ser?a m?s sencillo y efectivo. ?Ypagamenos? tendr? una versi?n gratuita con publicidad y otra versi?n pagada sin publicidad y con mayores atributos y estar? disponible en dispositivos con sistemas operativos Android y iOS. Con ?ypagamenos? se conseguir? que las empresas de banca y telefon?a, con quienes inicialmente se suscribir?a convenios de exclusividad, no s?lo logren que sus clientes usen los programadas de lealtad sino tambi?n la fidelizaci?n de los mismos, mayor alcance y conversi?n y por parte del cliente se lograr? que use todos los descuentos que ya tiene y cuando m?s le convenga

The Credit CARD Act of 2009: What Did Banks Do?

The Credit CARD Act of 2009 was intended to prevent practices in the credit card industry that lawmakers viewed as deceptive and abusive. Among other changes, the Act restricted issuers' account closure policies, eliminated certain fees, and made it more difficult for issuers to change terms on credit card plans. Critics of the Act argued that because of the long lag between approval and implementation of the law, issuing banks would be able to take preemptive actions that might disadvantage cardholders before the law could take effect. Using credit bureau data as well as individual data from a survey of U.S. consumers, we test whether banks closed consumers' credit card accounts or otherwise restricted access to credit just before the enactment of the CARD Act. Because the period prior to the enactment of the CARD Act coincided with the financial crisis and recession, causality in this case is particularly difficult to establish. We find evidence that a higher fraction of credit card accounts were closed following the Federal Reserve Board's adoption of its credit card rules. However, we do not find evidence that banks closed credit card accounts or deteriorated terms of credit card plans at a higher rate between the time when the CARD Act was signed and when its provisions became law

Credit Supply: Identifying Balance-Sheet Channels with Loan Applications and Granted Loans

To identify credit availability we analyze the extensive and intensive margins of lending with loan applications and all loans granted in Spain. We find that during the period analyzed both worse economic and tighter monetary conditions reduce loan granting, especially to firms or from banks with lower capital or liquidity ratios. Moreover, responding to applications for the same loan, weak banks are less likely to grant the loan. Our results suggest that firms cannot offset the resultant credit restriction by turning to other banks. Importantly the bank-lending channel is notably stronger when we account for unobserved time-varying firm heterogeneity in loan demand and quality

Wage inequality, segregation by skill and the price of capital in an assignment model

Some pieces of empirical evidence suggest that in the U.S., over the last few decades, (i) wage inequality between-plants has risen much more than wage inequality within-plants and (ii) there has been an increase in the segregation of workers by skill into separate plants. This paper presents a frictionless assignment model in which these two features can be explained simultaneously as the result of the decline in the relative price of capital. Additional implications of the model regarding the skill premium and the dispersion in labor productivity across plants are also consistent with the empirical evidence. [resumen de autor

The labor market effects of technology shocks

We analyze the effects of neutral and investment-specific technology shocks on hours worked and unemployment. We characterize the response of unemployment in terms of job separation and job finding rates. We find that job separation rates mainly account for the impact response of unemployment while job finding rates for movements along its adjustment path. Neutral shocks increase unemployment and explain a substantial portion of unemployment and output volatilityinvestment-specific shocks expand employment and hours worked and mostly contribute to hours worked volatility. We show that this evidence is consistent with the view that neutral technological progress prompts Schumpeterian creative destruction, while investment specific technological progress has standard neoclassical feature