NBERWORKINGPAPERSERIESTOPAYORAUTOPAY?FINTECHINNOVATIONANDCREDITCARDPAYMENTSJialanWangWorkingPaper32332http://www.nber.org/papers/w32332NATIONALBUREAUOFECONOMICRESEARCH1050MassachusettsAvenueCambridge,MA02138April2024Thedataforthisstudywereobtainedunderanon-disclosureagreementwithananonymousdataprovider,andIamthankfultoseveralemployeesatthiscompanyforsharingtheirtimeandexpertiseinmakingthisprojectpossible.KellyHyde,DanielGrodzicki,MichaelaPagel,andseminarandconferenceparticipantsattheUniversityofIllinois,Data,InformationandWelfareinHouseholdFinanceatChicagoBooth,RANDBeFi,OCCSymposiumontheImplicationsofFinancialTechnologyforBanking,AEA,UNCConferenceonMarket-BasedSolutionsforReducingWealthInequality,JPMCInstitute,UniversityofWisconsin,Northeastern,andGeorgiaTechprovidedusefulfeedback.HejiaLiuandMatthewBoydprovidedoutstandingresearchassistance.Contact:jialanw@gmail.com.TheviewsexpressedhereinarethoseoftheauthoranddonotnecessarilyreflecttheviewsoftheNationalBureauofEconomicResearch.NBERworkingpapersarecirculatedfordiscussionandcommentpurposes.Theyhavenotbeenpeer-reviewedorbeensubjecttothereviewbytheNBERBoardofDirectorsthataccompaniesofficialNBERpublications.©2024byJialanWang.Allrightsreserved.Shortsectionsoftext,nottoexceedtwoparagraphs,maybequotedwithoutexplicitpermissionprovidedthatfullcredit,including©notice,...
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