[{"language":[{"iso":"eng"}],"doi":"10.3790/ccm.49.1.93","date_updated":"2022-01-06T07:01:14Z","publication_status":"published","department":[{"_id":"275"}],"title":"Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?","citation":{"apa":"Schlueter, T., Busch, R., Sievers, S., & Hartmann-Wendels, T. (2016). Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking? Credit and Capital Markets--Kredit Und Kapital, 49(1), 93–125. https://doi.org/10.3790/ccm.49.1.93","ama":"Schlueter T, Busch R, Sievers S, Hartmann-Wendels T. Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking? Credit and Capital Markets--Kredit und Kapital. 2016;49(1):93-125. doi:10.3790/ccm.49.1.93","chicago":"Schlueter, Tobias, Ramona Busch, Soenke Sievers, and Thomas Hartmann-Wendels. “Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?” Credit and Capital Markets--Kredit Und Kapital 49, no. 1 (2016): 93–125. https://doi.org/10.3790/ccm.49.1.93.","bibtex":"@article{Schlueter_Busch_Sievers_Hartmann-Wendels_2016, title={Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?}, volume={49}, DOI={10.3790/ccm.49.1.93}, number={1}, journal={Credit and Capital Markets--Kredit und Kapital}, author={Schlueter, Tobias and Busch, Ramona and Sievers, Soenke and Hartmann-Wendels, Thomas}, year={2016}, pages={93–125} }","mla":"Schlueter, Tobias, et al. “Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?” Credit and Capital Markets--Kredit Und Kapital, vol. 49, no. 1, 2016, pp. 93–125, doi:10.3790/ccm.49.1.93.","short":"T. Schlueter, R. Busch, S. Sievers, T. Hartmann-Wendels, Credit and Capital Markets--Kredit Und Kapital 49 (2016) 93–125.","ieee":"T. Schlueter, R. Busch, S. Sievers, and T. Hartmann-Wendels, “Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?,” Credit and Capital Markets--Kredit und Kapital, vol. 49, no. 1, pp. 93–125, 2016."},"year":"2016","type":"journal_article","page":"93-125","issue":"1","_id":"4586","intvolume":" 49","status":"public","date_created":"2018-10-09T09:04:17Z","jel":["G21","G28"],"volume":49,"author":[{"full_name":"Schlueter, Tobias","first_name":"Tobias","last_name":"Schlueter"},{"full_name":"Busch, Ramona","first_name":"Ramona","last_name":"Busch"},{"last_name":"Sievers","first_name":"Soenke","full_name":"Sievers, Soenke"},{"last_name":"Hartmann-Wendels","first_name":"Thomas","full_name":"Hartmann-Wendels, Thomas"}],"publication":"Credit and Capital Markets--Kredit und Kapital","keyword":["interest rate pass-through models","error correction models","bank efficiency","cost efficiency","stochastic frontier analysis"],"user_id":"64756","article_type":"letter_note","abstract":[{"lang":"eng","text":"This study examines the loan-pricing behavior of German banks for a large variety of retail and corporate loan products. We find that a bank’s operational efficiency is priced in bank loan rates and alters interest-setting behavior. Specifically, we establish that a higher degree of operational efficiency leads to lower loan markups, which makes prices more competitive and smoothes the setting of interest rates. By employing state-of-the-art stochastic frontier efficiency measures to capture a bank’s operational efficiency, we take a look at the bank customers’ perspective and demonstrate the extent to which bor-rowers benefit from cost-efficient banking. "}]},{"title":"A Low-Cost Positioning System for Location-Aware Applications in Smart Homes","user_id":"5786","abstract":[{"text":"Location-aware services for private use such as GPS-\r\nbased navigation systems and GSM-based offerings\r\nhave become quite a success for outdoor applications,\r\nwhile indoor positioning systems are still mainly\r\nemployed for professional use only. The main reasons\r\nare cost issues and the complexity of setup and\r\nmaintenance of those systems. In this paper we\r\npresent CaMPTrack (Camera-based Multiple Person\r\nTracker), a prototype of a webcam-based positioning\r\nsystem and discuss its application and development\r\nchallenges.","lang":"eng"}],"place":"San Jose, USA","date_created":"2023-01-23T11:50:18Z","status":"public","publication":"Proceedings of the Workshop on Mobile Spatial Interaction at CHI 2007","department":[{"_id":"672"}],"keyword":["Positioning Systems","Camera Based","Cost Efficiency","Smart Home Applications"],"author":[{"last_name":"Schäfer","first_name":"Robbie","full_name":"Schäfer, Robbie"},{"id":"16243","last_name":"Müller","full_name":"Müller, Wolfgang","first_name":"Wolfgang"},{"last_name":"Deimann","first_name":"Roman","full_name":"Deimann, Roman"},{"full_name":"Kleinjohann, Bernd","first_name":"Bernd","last_name":"Kleinjohann"}],"_id":"38104","date_updated":"2023-01-23T11:50:27Z","type":"conference","year":"2007","citation":{"short":"R. Schäfer, W. Müller, R. Deimann, B. Kleinjohann, in: Proceedings of the Workshop on Mobile Spatial Interaction at CHI 2007, San Jose, USA, 2007.","ieee":"R. Schäfer, W. Müller, R. Deimann, and B. Kleinjohann, “A Low-Cost Positioning System for Location-Aware Applications in Smart Homes,” 2007.","apa":"Schäfer, R., Müller, W., Deimann, R., & Kleinjohann, B. (2007). A Low-Cost Positioning System for Location-Aware Applications in Smart Homes. Proceedings of the Workshop on Mobile Spatial Interaction at CHI 2007.","ama":"Schäfer R, Müller W, Deimann R, Kleinjohann B. A Low-Cost Positioning System for Location-Aware Applications in Smart Homes. In: Proceedings of the Workshop on Mobile Spatial Interaction at CHI 2007. ; 2007.","chicago":"Schäfer, Robbie, Wolfgang Müller, Roman Deimann, and Bernd Kleinjohann. “A Low-Cost Positioning System for Location-Aware Applications in Smart Homes.” In Proceedings of the Workshop on Mobile Spatial Interaction at CHI 2007. San Jose, USA, 2007.","bibtex":"@inproceedings{Schäfer_Müller_Deimann_Kleinjohann_2007, place={San Jose, USA}, title={A Low-Cost Positioning System for Location-Aware Applications in Smart Homes}, booktitle={Proceedings of the Workshop on Mobile Spatial Interaction at CHI 2007}, author={Schäfer, Robbie and Müller, Wolfgang and Deimann, Roman and Kleinjohann, Bernd}, year={2007} }","mla":"Schäfer, Robbie, et al. “A Low-Cost Positioning System for Location-Aware Applications in Smart Homes.” Proceedings of the Workshop on Mobile Spatial Interaction at CHI 2007, 2007."},"language":[{"iso":"eng"}]}]