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Plastic money : constructing markets for credit cards in eight postcommunist countries

Author: Akos Rona-Tas; Alya Guseva
Publisher: Stanford, California : Stanford University Press, [2014]
Edition/Format:   Print book : EnglishView all editions and formats
Summary:
"In the United States, we now take our ability to pay with plastic for granted. In other parts of the world, however, the establishment of a "credit-card economy" has not been easy. In countries without a history of economic stability, how can banks decide who should be given a credit card? How do markets convince people to use cards, make their transactions visible to authorities, assume the potential risk of  Read more...
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Document Type: Book
All Authors / Contributors: Akos Rona-Tas; Alya Guseva
ISBN: 9780804768573 0804768579 9780804768580 0804768587
OCLC Number: 861966449
Description: xx, 318 pages : illustrations ; 24 cm
Contents: Paying with cards --
The transition from a communist to a market economy --
Payment puzzles --
Credit puzzles --
The construction of card markets in Hungary, Poland and the Czech Republic --
Russia, Ukraine and Bulgaria --
Vietnam and China.
Responsibility: Akos Rona-Tas and Alya Guseva.

Abstract:

"In the United States, we now take our ability to pay with plastic for granted. In other parts of the world, however, the establishment of a "credit-card economy" has not been easy. In countries without a history of economic stability, how can banks decide who should be given a credit card? How do markets convince people to use cards, make their transactions visible to authorities, assume the potential risk of fraud, and pay to use their own money? Why should merchants agree to pay extra if customers use cards instead of cash? In Plastic Money, Akos Rona-Tas and Alya Guseva tell the story of how banks overcame these and other quandaries as they constructed markets for credit cards in eight postcommunist countries. We know how markets work once they are built, but this book develops a unique framework for understanding how markets are engineered from the ground up - by selecting key players, ensuring cooperation, and providing conditions for the valuation of a product. Drawing on extensive interviews and fieldwork, the authors chronicle how banks overcame these hurdles and generated a desire for their new product in the midst of a transition from communism to capitalism."--Back cover.

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"This fascinating study of the creation of credit card markets in eight European and Asian postcommunist countries is the latest and most expansive work on the subject by Rona-Tas and Guseva . . . Read more...

 
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