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Three Strategies To Combat Media Disinformation Amidst Political Polarization and False Narratives
LOS ANGELES, March 11, 2024 /PRNewswire/ -- As the election cycle approaches amidst the current hostile landscape, understanding effective media consumption becomes paramount for Americans. Disinformation is emerging as a strategic campaign tool, influencing outcomes and necessitating a critical understanding of its impact on our democracy.
- Masterminds Lisa Cypers Kamen and Andy Norman, share three strategies for decoding disinformation and minimizing its deliberate impact on political outcomes.
- LOS ANGELES, March 11, 2024 /PRNewswire/ -- As the election cycle approaches amidst the current hostile landscape, understanding effective media consumption becomes paramount for Americans.
- Disinformation is emerging as a strategic campaign tool, influencing outcomes and necessitating a critical understanding of its impact on our democracy.
- Individuals are hungry for media literacy and common sense strategies to combat false narratives and safeguard democracy.
Consumer participation in the credit market during the COVID-19 pandemic and beyond
We find that credit demand is highest when
- We find that credit demand is highest when
the first lockdown ends and it drops when supportive monetary compensation schemes are implemented. - Credit is more likely to be
accepted under favourable borrowing conditions and after the approval of national recovery plans. - We also find
that demographic, economic factors, perceptions and expectations are associated with the demand for credit and
the credit grant. - First, it adds to a rapidly growing literature on household
borrowing behaviour during the COVID-19 pandemic; see, for example, Ho et al. - We provide evidence that credit applications and credit acceptances display a different pattern over
time. - Credit is more likely to be accepted under favourable borrowing conditions and after the
approval of national recovery plans. - In almost all countries
households are significantly less likely to apply and to get their credit approved than in Germany. - In line with literature, we show that
demographic and economic factors affect the probability for credit applications and credit approval. - In addition,
the paper shows that consumer perceptions and expectations matter when they decide to apply for credit. - Introduction
The participation of households in the credit market receives wide attention in the consumer finance literature
because consumer credit enters the monetary policy transmission mechanism through the so-called ?credit
channel?: changes in credit demand and supply have an effect on consumers' spending and investment, which in
turn affect economic growth. - We use microdata from the ECB?s Consumer Expectations Survey (hereinafter CES), a survey that
measures consumer expectations and behaviour in the euro area. - Its panel dimension allows for an assessment of
how consumer behaviour changes over time and how consumers respond to critical economic shocks. - This way we can gauge how credit applications and credit acceptances change under different, almost
opposite, borrowing conditions. - We also distinguish between the demand for long-term secured loans (mortgages) and for short-term
uncollateralized loans (consumer loans). - ECB Working Paper Series No 2922
3
We use probit models to estimate the probability of the consumer to apply for credit and the credit being granted.
- The rate peaks in 2020Q3 which reflects the rebound in the demand for loans when the first lockdown ended.
- In almost all countries households are significantly less likely
to apply and to get their credit approved than in Germany. - However,
when it comes to credit acceptance, we observe that the two groups of households are more similar. - Finally, we find some heterogeneity with respect to the type of credit, particularly between secured and unsecured
debt. - The demand for
consumer credit is insignificant for liquid households and decreases significantly for constrained households in
the last two quarters of our timespan. - The first consists of a recently growing literature which
explores consumer behaviour in the credit market during the COVID-19 pandemic, mostly in the United States. - Sandler and Ricks (2020) show that consumers did not use credit card debt for financial liquidity in the early stage
of the COVID-19 pandemic. - (2020) report that credit card applications and new mortgage loans
declined during the first months of the pandemic in regions with more unemployment insurance claims. - Lu and
Van der Klaauw (2021) show that there was a sharp drop in consumer credit demand, especially for credit cards. - (2022) document that there was a substantial decrease in the usage of credit cards and home equity lines
of credit by Canadian consumers. - Our paper is also consonant with studies on the association between financial and demographic factors and
consumers? participation in the credit market as well as on the demand for specific types of credit. - January 2020 ? October 2020 - The two main events are the outbreak of the COVID-19 pandemic and the
consequential lockdowns in the euro area. - 4 If the
respondent has applied for more than one type of credit, she is asked to refer to the most recent credit application. - Between 2021Q3 and 2022Q3 the acceptance
rate stays above the average values, mirroring the easing of credit standards for consumer credit and other lending
to households during this period. - Second, we can investigate the presence of nonlinearities in how liquidity and the credit type interact in explaining credit applications.
- (2023) ? who show that in the United States the local pandemic severity had a strong
negative effect on credit card spending early in the pandemic, which diminished over time. - First, we select mortgages and consumer credit as the two mostly reported categories for secured and
13
The full estimation results are reported in Table 3.
- The right-hand side panel of Figure 6 shows that the demand for consumer credit is insignificant for both liquid
and illiquid households. - It also shows that
subjective perceptions of credit access, financial concerns and expectations on interest rates matter for the demand
for credit. - In Bertola, G., Disney
R., and Grant, C. (eds) The Economics of Consumer Credit, Cambridge MA, MIT Press. - Horvath, A., Kay, B. and Wix, C. (2023) The COVID-19 shock and consumer credit: Evidence from credit card
data. - Magri, S. (2007) Italian households? debt: The participation to the debt market and the size of the loan.
HH Global strengthens operational delivery across Creative + Digital solution
LONDON, March 7, 2024 /PRNewswire/ -- HH Global is pleased to announce it has appointed Amir Mireskandari as Executive Director, Global Creative Delivery + Operations.
- LONDON, March 7, 2024 /PRNewswire/ -- HH Global is pleased to announce it has appointed Amir Mireskandari as Executive Director, Global Creative Delivery + Operations.
- This appointment reflects HH Global's ongoing commitment to investing in outstanding talent and further strengthens our Creative + Digital solutions, enhancing our delivery of world-class creativity, innovative thinking and content production excellence.
- "I am thrilled to be joining HH Global at this stage in the growth of the Creative + Digital offering.
- Lee Humphreys, Chief Client Officer at HH Global said:
"This is another fantastic addition to the HH Global team, further demonstrating our commitment to investment in our Creative + Digital solution.
HH Global strengthens operational delivery across Creative + Digital solution
LONDON, March 7, 2024 /PRNewswire/ -- HH Global is pleased to announce it has appointed Amir Mireskandari as Executive Director, Global Creative Delivery + Operations.
- LONDON, March 7, 2024 /PRNewswire/ -- HH Global is pleased to announce it has appointed Amir Mireskandari as Executive Director, Global Creative Delivery + Operations.
- This appointment reflects HH Global's ongoing commitment to investing in outstanding talent and further strengthens our Creative + Digital solutions, enhancing our delivery of world-class creativity, innovative thinking and content production excellence.
- "I am thrilled to be joining HH Global at this stage in the growth of the Creative + Digital offering.
- Lee Humphreys, Chief Client Officer at HH Global said:
"This is another fantastic addition to the HH Global team, further demonstrating our commitment to investment in our Creative + Digital solution.
HH Global completes acquisition of Displayplan
Today, HH Global has announced the completion of an acquisition of UK-based Displayplan Ltd. to further enhance their expertise and build on their unrivaled, creative, global retail activation capability.
- Today, HH Global has announced the completion of an acquisition of UK-based Displayplan Ltd. to further enhance their expertise and build on their unrivaled, creative, global retail activation capability.
- Through this acquisition, HH Global is demonstrating its ongoing investment in developing industry-leading solutions for global retail brands.
- The award-winning creative and production teams from Displayplan, along with their digital and shopper marketing strategists, will strengthen HH Global's existing capabilities and enable HH Global to continue driving advancements in creating superior connected shopper experiences.
- Kristian Elgey, CEO of HH Global states:
"I would like to extend a warm welcome to our new colleagues who join us as part of the Displayplan acquisition.
HH Global completes acquisition of Displayplan
Today, HH Global has announced the completion of an acquisition of UK-based Displayplan Ltd. to further enhance their expertise and build on their unrivaled, creative, global retail activation capability.
- Today, HH Global has announced the completion of an acquisition of UK-based Displayplan Ltd. to further enhance their expertise and build on their unrivaled, creative, global retail activation capability.
- Through this acquisition, HH Global is demonstrating its ongoing investment in developing industry-leading solutions for global retail brands.
- The award-winning creative and production teams from Displayplan, along with their digital and shopper marketing strategists, will strengthen HH Global's existing capabilities and enable HH Global to continue driving advancements in creating superior connected shopper experiences.
- Kristian Elgey, CEO of HH Global states:
"I would like to extend a warm welcome to our new colleagues who join us as part of the Displayplan acquisition.
Exciting acquisition announcement: HH Global to acquire Displayplan to enhance customer experience for global brands
LONDON, Feb. 13, 2024 /PRNewswire/ --
- Today, HH Global has announced the signing of an agreement to fully acquire UK-based Displayplan Ltd to further enhance their expertise and create an unrivaled, creative, global retail activation capability.
- The acquisition of Displayplan, having expertise in design engineering and production management of complex point-of-sale solutions and experiential customer interactions, demonstrates HH Global's ongoing investment in developing industry-leading solutions for global retail brands.
- Nadia Pelekanos, Chief Client Officer at HH Global said:
"The combination of our companies represents a progressive move for HH Global and builds significantly on our global retail capability. - Managing Director of Displayplan Scott Morris said:
"We are delighted to be joining HH Global at this exciting time in their growth journey.
Exciting acquisition announcement: HH Global to acquire Displayplan to enhance customer experience for global brands
LONDON, Feb. 13, 2024 /PRNewswire/ --
- Today, HH Global has announced the signing of an agreement to fully acquire UK-based Displayplan Ltd to further enhance their expertise and create an unrivaled, creative, global retail activation capability.
- The acquisition of Displayplan, having expertise in design engineering and production management of complex point-of-sale solutions and experiential customer interactions, demonstrates HH Global's ongoing investment in developing industry-leading solutions for global retail brands.
- Nadia Pelekanos, Chief Client Officer at HH Global said:
"The combination of our companies represents a progressive move for HH Global and builds significantly on our global retail capability. - Managing Director of Displayplan Scott Morris said:
"We are delighted to be joining HH Global at this exciting time in their growth journey.
Berry Global and Glatfelter Announce Plans for Tax-Free Spin-Off and Merger of Berry’s Health, Hygiene and Specialties Global Nonwovens and Films Business with Glatfelter, Creating a Global Specialty Materials Leader
In September, Berry announced a review of strategic alternatives for its Health, Hygiene & Specialties (‘HH&S’) segment.
- In September, Berry announced a review of strategic alternatives for its Health, Hygiene & Specialties (‘HH&S’) segment.
- Today's announcement is the culmination of a comprehensive review of strategic alternatives to determine the value-maximizing path forward for Berry shareholders.
- For Glatfelter, the proposed transaction represents the next significant milestone in the Company’s time-tested strategy as a leading global supplier of specialty materials.
- Today’s announcement is the first step in creating a pure-play leader in nonwovens and specialty materials well-positioned in growing, global markets.