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Cited by 259

The DOI matches its Crossref record; 54 of the 54 references it cites were found in a registry or an index.

Limited and Varying Consumer Attention: Evidence from Shocks to the Salience of Bank Overdraft Fees

Stango, Victor, Zinman, Jonathan·2014·Review of Financial Studies
DOI 10.1093/rfs/hhu008
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Abstract

We explore dynamics of limited attention in the $35 billion market for checking overdrafts, using survey content as shocks to the salience of overdraft fees. Conditional on selection into surveys, individuals who face overdraft-related questions are less likely to incur a fee in the survey month. Taking multiple overdraft surveys builds a “stock” of attention that reduces overdrafts for up to two years. The effects are significant among consumers with lower education and financial literacy. Individuals avoid overdrafts by making fewer low-balance debit transactions and cancelling automatic recurring withdrawals. The results raise new questions about consumer financial protection policy.

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Metadata

Authors
Stango, V., & Zinman, J.
Venue
Review of Financial Studies
Publisher
Oxford University Press (OUP)
Published
2014-02-21
Volume
27
Issue
4
Pages
990-1030
ISSN
  • 0893-9454 (ISSN-L)
  • 1465-7368
DOI
10.1093/rfs/hhu008
OpenAlex
W3124951888
Cited by
259
References
54
FWCI
103.94
Type
journal article
Language
en
Open access
closed

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CoChat. (2026). Citation check: Limited and Varying Consumer Attention: Evidence from Shocks to the Salience of Bank Overdraft Fees. https://app.cochat.ai/papers/10.1093/rfs/hhu008
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Stango, V., & Zinman, J. (2014). Limited and Varying Consumer Attention: Evidence from Shocks to the Salience of Bank Overdraft Fees. Review of Financial Studies. https://doi.org/10.1093/rfs/hhu008

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Contains information from the Semantic Scholar Academic Graph Datasets, made available under the ODC Attribution License (ODC-BY 1.0).

Semantic Scholar’s data is described in: Kinney, R., et al. (2023). The Semantic Scholar Open Data Platform. arXiv:2301.10140.