Jung Youn Lee
How a Store Credit Card Can Be a Bridge to the Banking System
With co-branded cards, unbanked customers spend more flexibly and build credit history, while retailers gain more-loyal customers.
Researchers: Joonhyuk Yang, Jung Youn Lee, Eric Hilt and Eric T. Anderson
July 1, 2026
No Credit History? No Problem.
A new type of score looks at people’s shopping behaviors and utility payments to determine their eligibility for loans and credit cards.
Researchers: Jung Youn Lee, Joonhyuk Yang and Eric T. Anderson
June 1, 2025
The Clues to Creditworthiness Hiding in Your Grocery Cart
Grocery habits—like buying mortadella beef or scheduling regular shopping trips—can be as useful as credit scores at predicting who will reliably repay loans.
Researchers: Jung Youn Lee, Joonhyuk Yang and Eric T. Anderson
May 1, 2024
