Attention Constraints and Financial Inclusion

We show that attention constraints on decision-makers create barriers to financial inclusion. Using administrative data on retail loan-screening processes, we find that attention-constrained loan officers exert less effort reviewing applicants of lower socioeconomic status (SES) and reject them more...

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Bibliographic Details
Published in:Journal of financial and quantitative analysis 2025-06, Vol.60 (4), p.1727-1759
Main Authors: Huang, Bo, Li, Jiacui, Lin, Tse-Chun, Tai, Mingzhu, Zhou, Zoey Yiyuan
Format: Article
Language:English
Subjects:
Applicants
Attention
Constraints
Decision makers
Financial inclusion
Loan officers
Selective attention
Socioeconomic status
Workloads
Citations: Items that this one cites
Online Access:Get full text
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