Steffen Herbold
Biographic Data
| ID | 5739765 |
|---|---|
| NAME | Steffen Herbold |
| GIVEN NAMES | Steffen |
| FAMILY NAME | Herbold |
| SIGNATURE | HERBOLD S |
| AFFILIATIONS | University of Passau |
| ORCID | 0000-0001-9765-2803 |
| VERIFIED | No |
| TOTAL WORKS | 2 |
| TOTAL CITATIONS | 0 |
| AUTHOR COUNT | 2 |
| EDITOR COUNT | 0 |
| FIRST PUBLICATION YEAR | 2023 |
| LATEST PUBLICATION YEAR | 2025 |
| H-INDEX | 0 |
Repayment under flexible loan contracts: Evidence based on high‐frequency data
We study repayment in the context of an alternative financial product that enables the purchase of a large asset—a solar panel home system—while offering complete repayment flexibility. Using a large administrative dataset on daily repayment of 38,400 borrowers in Tanzania over 5.5 years, we perform unsupervised pattern analysis to classify repayment behaviour. We show that borrowers with fluctuating incomes make more use of the loan's flexibilit…
A large-scale comparison of human-written versus ChatGPT-generated essays
ChatGPT and similar generative AI models have attracted hundreds of millions of users and have become part of the public discourse. Many believe that such models will disrupt society and lead to significant changes in the education system and information generation. So far, this belief is based on either colloquial evidence or benchmarks from the owners of the models—both lack scientific rigor. We systematically assess the quality of AI-generated…
No prominent works on this page.
A large-scale comparison of human-written versus ChatGPT-generated essays
ChatGPT and similar generative AI models have attracted hundreds of millions of users and have become part of the public discourse. Many believe that such models will disrupt society and lead to significant changes in the education system and information generation. So far, this belief is based on either colloquial evidence or benchmarks from the owners of the models—both lack scientific rigor. We systematically assess the quality of AI-generated…
Repayment under flexible loan contracts: Evidence based on high‐frequency data
We study repayment in the context of an alternative financial product that enables the purchase of a large asset—a solar panel home system—while offering complete repayment flexibility. Using a large administrative dataset on daily repayment of 38,400 borrowers in Tanzania over 5.5 years, we perform unsupervised pattern analysis to classify repayment behaviour. We show that borrowers with fluctuating incomes make more use of the loan's flexibilit…
Argumentation theory (1 works) · Argumentative (1 works) · Artificial Intelligence (1 works) · Artificial Intelligence in Healthcare and Education (1 works) · Banking stability, regulation, efficiency (1 works) · Calculator (1 works) · Cash (1 works) · Computer Science (1 works) · Context (archaeology) (1 works) · Data science (1 works)