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The European Association for Banking and Financial History (eabh) e.V.


Consumer Credit

18 Jun 2015

Frankfurt am Main, Germany

Consumer credit is ubiquitous today. Modern forms like credit cards and buy now, pay later arrangements predominate, but ancient forms such as pawnshops and payday loans continue to thrive as well. We suggest that the penetration and pattern of modern forms of consumer credit differ from country to country; determined on the one hand by concerns about consumer protection, credit rationing, and legal objections, on the other by cultural attitudes towards debt and about the desirability of saving over spending.

eabh in cooperation with Santander &  GUG


18 June Consumer Credit Day 1

1400 - 1745


Pedro de Elajabeitia

1415General Introduction

Joost Jonker
(Utrecht University/University of Amsterdam)


Sean O’Connell
(Queens University Belfast)

1515Consumer Credit a Product Innovation at Deutsche Bank

Reinhard Frost
(Deutsche Bank)

1600Coffee & Tea

1615Installment credit as early form of consumer credit in Germany

Andrea Schneider
(Gesellschaft für Unternehmensgeschichte e.V. GUG)


Sabine Effosse
(Paris Ouest Nanterre University)



Locanda della torre
Oeder Weg 14

19 June Consumer Credit Day 2

0900 - 1200

0900 Wrestling with Legal Obstacle to Consumer Credit in the Netherlands

Michael Milo
(Utrecht University)

0945The Legal Framework in Belgium

Johan Vannerom
(Leuven University)

1030Coffee & Tea

1045Early Consumer Credit in Germany

Paul Thomes
(RWTH Aachen)

1130Closing Comments

Christopher Kobrak
(University of Toronto)

1200End - Lunch (optional)

Restaurant L´Unico
Mendelssohnstraße 83


18 Jun 2015 to 19 Jun 2015


Santander Consumer Bank AG
Bockenheimer Landstrasse 39
60325 Frankfurt am Main

Frankfurt am Main, Germany

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