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RDP 2018-11: Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases
Equation
n
e
t
b
e
n
e
f
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t
(
$
)
=
β
0
+
β
1
d
e
m
o
g
r
a
p
h
i
c
s
+
β
2
u
s
a
g
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p
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t
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r
n
s
+
β
3
p
r
e
f
e
r
e
n
c
e
s
+
ε