infonet-economy

de Buisonjé, David; Reijnders, Thomas; Cohen Rodrigues, Talia; Keesman, Mike; Santhanam, Prabhakaran; Kowatsch, Tobias; Janssen, Veronica; Kraaijenhagen, Roderik; Kemps, Hareld; Evers, Andrea

Bolli, Thomas; Caves, Katherine M.; Pusterla, Filippo; Rageth, Ladina; Renold, Ursula; Sritharan, Aranya; Trachsel Díaz-Tejeiro, Sandra

Many consumers use payment instruments to control their budget. Previously, such behavior has been associated with checking disposable cash ("pocket watching"). Based on recent survey data, we show that "digital watchers" have emerged, i.e., noncash payers who use digital applications to control their budget. Both watcher types have distinct characteristics. Pocket watchers tend to...

Bolli, Thomas; Caves, Katherine M.; Pusterla, Filippo; Rageth, Ladina; Renold, Ursula; Sritharan, Aranya; Trachsel Díaz-Tejeiro, Sandra

Kowatsch, Tobias; Schachner, Theresa; Harperink, Samira; Barata, Filipe; Dittler, Ullrich; Xiao, Grace; Stanger, Catherine; Fleisch, Elgar; von Wangenheim, Florian; Oswald, Helmut; Möller, Alexander

Lukic, Yanick Xavier; Klein, Shari; Shih, Iris; Tomita, Naofumi; Galliker, Helen; Kowatsch, Tobias

Banholzer, Nicolas; Herzig, David; Piazza, Camillo; Alvarez-Martinez, Mario; Nakas, Christos T.; Kosinski, Christophe; Feuerriegel, Stefan; Hovorka, Roman; Bally, Lia

Filippini, Massimo; Wekhof, Tobias

This paper analyses the determinants of firm participation in the Swiss COVID-19 loan programme, which aims to bridge firms' liquidity shortfalls that have resulted from the pandemic. State guaranteed COVID-19 loans are widely used by Swiss firms, with 20% of all firms participating, resulting in a sizeable programme of 2.4% of GDP. We use a complete firm-level dataset to study the...