Maria Lissowska
Consumer Credit in Europe: Macro- and Microeconomic Perspectives
Consumer Credit in Europe: Macro- and Microeconomic Perspectives
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This book provides an overview of consumer credit in the European economy and households, highlighting the role of consumerism, digitalization, and the 2008 and Covid-19 crises. It emphasizes the need for adapted legislation to address new financial services and changing consumer behavior. The Consumer Credits Directive aims to improve protection and facilitate access to credit for consumers.
Format: Hardback
Length: 129 pages
Publication date: 25 November 2021
Publisher: Springer Nature Switzerland AG
This comprehensive book delves into the intricate dynamics of consumer credits within the European economy and households, emphasizing the profound impact of consumerism and digitalization on the legal framework. It traces two significant turning points in the evolution of consumer credit: the 2008 crisis and the COVID-19 pandemic. While the first turn was rooted in socio-economic factors, the second emerged as an external event, yet it sparked significant shifts in consumer behavior. The lockdowns further reinforced the growing preference for digital financial products, leading to expanded opportunities for FinTech and BigData operators.
To accommodate these evolving financial services, the recently proposed Consumer Credits Directive introduces new regulations, including provisions for smartphones and crowdfunding. This directive aims to adapt the legal framework to meet the demands of a modern, digital economy.
Interestingly, the availability of consumer credit has had a profound effect on household behavior. Prior to the ease of access to credit, poorer households exhibited a stronger tendency to save. However, the financial insecurity brought about by the COVID-19 pandemic prompted households to restrict their credit usage and prioritize building precautionary savings.
In conclusion, this book offers a comprehensive exploration of consumer credits in the European economy and households, shedding light on the interplay between consumerism, digitalization, and legislation. It highlights the significant shifts in consumer behavior and the need for adapted regulations to foster a safe and sustainable financial landscape.
Weight: 345g
Dimension: 210 x 148 (mm)
ISBN-13: 9783030882303
Edition number: 1st ed. 2021
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