---
_id: '4586'
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. '
article_type: letter_note
author:
- first_name: Tobias
  full_name: Schlueter, Tobias
  last_name: Schlueter
- first_name: Ramona
  full_name: Busch, Ramona
  last_name: Busch
- first_name: Soenke
  full_name: Sievers, Soenke
  last_name: Sievers
- first_name: Thomas
  full_name: Hartmann-Wendels, Thomas
  last_name: Hartmann-Wendels
citation:
  ama: 'Schlueter T, Busch R, Sievers S, Hartmann-Wendels T. Loan Pricing: Do Borrowers
    Benefit from Cost-Efficient Banking? <i>Credit and Capital Markets--Kredit und
    Kapital</i>. 2016;49(1):93-125. doi:<a href="https://doi.org/10.3790/ccm.49.1.93">10.3790/ccm.49.1.93</a>'
  apa: 'Schlueter, T., Busch, R., Sievers, S., &#38; Hartmann-Wendels, T. (2016).
    Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking? <i>Credit and
    Capital Markets--Kredit Und Kapital</i>, <i>49</i>(1), 93–125. <a href="https://doi.org/10.3790/ccm.49.1.93">https://doi.org/10.3790/ccm.49.1.93</a>'
  bibtex: '@article{Schlueter_Busch_Sievers_Hartmann-Wendels_2016, title={Loan Pricing:
    Do Borrowers Benefit from Cost-Efficient Banking?}, volume={49}, DOI={<a href="https://doi.org/10.3790/ccm.49.1.93">10.3790/ccm.49.1.93</a>},
    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} }'
  chicago: 'Schlueter, Tobias, Ramona Busch, Soenke Sievers, and Thomas Hartmann-Wendels.
    “Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?” <i>Credit and
    Capital Markets--Kredit Und Kapital</i> 49, no. 1 (2016): 93–125. <a href="https://doi.org/10.3790/ccm.49.1.93">https://doi.org/10.3790/ccm.49.1.93</a>.'
  ieee: 'T. Schlueter, R. Busch, S. Sievers, and T. Hartmann-Wendels, “Loan Pricing:
    Do Borrowers Benefit from Cost-Efficient Banking?,” <i>Credit and Capital Markets--Kredit
    und Kapital</i>, vol. 49, no. 1, pp. 93–125, 2016.'
  mla: 'Schlueter, Tobias, et al. “Loan Pricing: Do Borrowers Benefit from Cost-Efficient
    Banking?” <i>Credit and Capital Markets--Kredit Und Kapital</i>, vol. 49, no.
    1, 2016, pp. 93–125, doi:<a href="https://doi.org/10.3790/ccm.49.1.93">10.3790/ccm.49.1.93</a>.'
  short: T. Schlueter, R. Busch, S. Sievers, T. Hartmann-Wendels, Credit and Capital
    Markets--Kredit Und Kapital 49 (2016) 93–125.
date_created: 2018-10-09T09:04:17Z
date_updated: 2022-01-06T07:01:14Z
department:
- _id: '275'
doi: 10.3790/ccm.49.1.93
intvolume: '        49'
issue: '1'
jel:
- G21
- G28
keyword:
- interest rate pass-through models
- error correction models
- bank efficiency
- cost efficiency
- stochastic frontier analysis
language:
- iso: eng
page: 93-125
publication: Credit and Capital Markets--Kredit und Kapital
publication_status: published
status: public
title: 'Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?'
type: journal_article
user_id: '64756'
volume: 49
year: '2016'
...
---
_id: '38104'
abstract:
- lang: eng
  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."
author:
- first_name: Robbie
  full_name: Schäfer, Robbie
  last_name: Schäfer
- first_name: Wolfgang
  full_name: Müller, Wolfgang
  id: '16243'
  last_name: Müller
- first_name: Roman
  full_name: Deimann, Roman
  last_name: Deimann
- first_name: Bernd
  full_name: Kleinjohann, Bernd
  last_name: Kleinjohann
citation:
  ama: 'Schäfer R, Müller W, Deimann R, Kleinjohann B. A Low-Cost Positioning System
    for Location-Aware Applications in Smart Homes. In: <i>Proceedings of the Workshop
    on Mobile Spatial Interaction at CHI 2007</i>. ; 2007.'
  apa: Schäfer, R., Müller, W., Deimann, R., &#38; Kleinjohann, B. (2007). A Low-Cost
    Positioning System for Location-Aware Applications in Smart Homes. <i>Proceedings
    of the Workshop on Mobile Spatial Interaction at CHI 2007</i>.
  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} }'
  chicago: Schäfer, Robbie, Wolfgang Müller, Roman Deimann, and Bernd Kleinjohann.
    “A Low-Cost Positioning System for Location-Aware Applications in Smart Homes.”
    In <i>Proceedings of the Workshop on Mobile Spatial Interaction at CHI 2007</i>.
    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.
  mla: Schäfer, Robbie, et al. “A Low-Cost Positioning System for Location-Aware Applications
    in Smart Homes.” <i>Proceedings of the Workshop on Mobile Spatial Interaction
    at CHI 2007</i>, 2007.
  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.'
date_created: 2023-01-23T11:50:18Z
date_updated: 2023-01-23T11:50:27Z
department:
- _id: '672'
keyword:
- Positioning Systems
- Camera Based
- Cost Efficiency
- Smart Home Applications
language:
- iso: eng
place: San Jose, USA
publication: Proceedings of the Workshop on Mobile Spatial Interaction at CHI 2007
status: public
title: A Low-Cost Positioning System for Location-Aware Applications in Smart Homes
type: conference
user_id: '5786'
year: '2007'
...