{"id":"https://openalex.org/W4412557146","doi":"https://doi.org/10.1287/mnsc.2024.05026","title":"Reducing Racial Disparities in Consumer Credit: Evidence from Anonymous Loan Applications","display_name":"Reducing Racial Disparities in Consumer Credit: Evidence from Anonymous Loan Applications","publication_year":2025,"publication_date":"2025-07-22","ids":{"openalex":"https://openalex.org/W4412557146","doi":"https://doi.org/10.1287/mnsc.2024.05026"},"language":"en","primary_location":{"id":"doi:10.1287/mnsc.2024.05026","is_oa":false,"landing_page_url":"https://doi.org/10.1287/mnsc.2024.05026","pdf_url":null,"source":{"id":"https://openalex.org/S33323087","display_name":"Management Science","issn_l":"0025-1909","issn":["0025-1909","1526-5501"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310315699","host_organization_name":"Institute for Operations Research and the Management Sciences","host_organization_lineage":["https://openalex.org/P4310315699"],"host_organization_lineage_names":["Institute for Operations Research and the Management Sciences"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Management Science","raw_type":"journal-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5064744403","display_name":"Poorya Kabir","orcid":"https://orcid.org/0009-0008-4179-558X"},"institutions":[{"id":"https://openalex.org/I165932596","display_name":"National University of Singapore","ror":"https://ror.org/01tgyzw49","country_code":"SG","type":"education","lineage":["https://openalex.org/I165932596"]}],"countries":["SG"],"is_corresponding":false,"raw_author_name":"Poorya Kabir","raw_affiliation_strings":["National University of Singapore, Singapore 119077"],"raw_orcid":"https://orcid.org/0009-0008-4179-558X","affiliations":[{"raw_affiliation_string":"National University of Singapore, Singapore 119077","institution_ids":["https://openalex.org/I165932596"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5086031037","display_name":"Tianyue Ruan","orcid":"https://orcid.org/0000-0001-5857-2579"},"institutions":[{"id":"https://openalex.org/I165932596","display_name":"National University of Singapore","ror":"https://ror.org/01tgyzw49","country_code":"SG","type":"education","lineage":["https://openalex.org/I165932596"]}],"countries":["SG"],"is_corresponding":false,"raw_author_name":"Tianyue Ruan","raw_affiliation_strings":["National University of Singapore, Singapore 119077"],"raw_orcid":"https://orcid.org/0000-0001-5857-2579","affiliations":[{"raw_affiliation_string":"National University of Singapore, Singapore 119077","institution_ids":["https://openalex.org/I165932596"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.22270015,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"72","issue":"3","first_page":"2326","last_page":"2344"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T12970","display_name":"Names, Identity, and Discrimination Research","score":0.9858999848365784,"subfield":{"id":"https://openalex.org/subfields/3312","display_name":"Sociology and Political Science"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T12970","display_name":"Names, Identity, and Discrimination Research","score":0.9858999848365784,"subfield":{"id":"https://openalex.org/subfields/3312","display_name":"Sociology and Political Science"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12693","display_name":"Migration, Ethnicity, and Economy","score":0.9492999911308289,"subfield":{"id":"https://openalex.org/subfields/3312","display_name":"Sociology and Political Science"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9257000088691711,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/loan","display_name":"Loan","score":0.5257885456085205},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.4706800580024719},{"id":"https://openalex.org/keywords/economics","display_name":"Economics","score":0.38387584686279297},{"id":"https://openalex.org/keywords/actuarial-science","display_name":"Actuarial science","score":0.37161511182785034},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.21879321336746216}],"concepts":[{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.5257885456085205},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4706800580024719},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.38387584686279297},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.37161511182785034},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.21879321336746216}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1287/mnsc.2024.05026","is_oa":false,"landing_page_url":"https://doi.org/10.1287/mnsc.2024.05026","pdf_url":null,"source":{"id":"https://openalex.org/S33323087","display_name":"Management Science","issn_l":"0025-1909","issn":["0025-1909","1526-5501"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310315699","host_organization_name":"Institute for Operations Research and the Management Sciences","host_organization_lineage":["https://openalex.org/P4310315699"],"host_organization_lineage_names":["Institute for Operations Research and the Management Sciences"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Management Science","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":31,"referenced_works":["https://openalex.org/W28412257","https://openalex.org/W568409357","https://openalex.org/W1498604664","https://openalex.org/W1568581649","https://openalex.org/W1836875240","https://openalex.org/W1978385790","https://openalex.org/W1991418004","https://openalex.org/W2067516326","https://openalex.org/W2085953209","https://openalex.org/W2099899027","https://openalex.org/W2113095718","https://openalex.org/W2152507677","https://openalex.org/W2231000380","https://openalex.org/W2320916292","https://openalex.org/W2603785580","https://openalex.org/W2747009031","https://openalex.org/W2770743945","https://openalex.org/W2943908192","https://openalex.org/W3021074122","https://openalex.org/W3022629323","https://openalex.org/W3122217583","https://openalex.org/W3122254455","https://openalex.org/W3124171143","https://openalex.org/W3147158709","https://openalex.org/W3209809080","https://openalex.org/W4205810599","https://openalex.org/W4244788766","https://openalex.org/W4280606494","https://openalex.org/W4288873612","https://openalex.org/W4290931391","https://openalex.org/W4392730732"],"related_works":["https://openalex.org/W4391375266","https://openalex.org/W1502198272","https://openalex.org/W2017540542","https://openalex.org/W2006758266","https://openalex.org/W2066504725","https://openalex.org/W1527813328","https://openalex.org/W2073254488","https://openalex.org/W2104764082","https://openalex.org/W2070530935","https://openalex.org/W1549310245"],"abstract_inverted_index":{"We":[0,61],"examine":[1],"a":[2],"unique":[3],"experiment":[4],"of":[5,111,132,142,164],"anonymizing":[6],"online":[7,34],"loan":[8,35,77],"applications":[9,48,78],"to":[10,32,84],"test":[11],"whether":[12],"race-blind":[13],"screening":[14],"procedures":[15],"reduce":[16,79],"racial":[17,65,80],"disparities":[18,51,66,81],"in":[19,72,82],"consumer":[20],"credit.":[21],"With":[22],"names":[23],"on":[24,90],"applications,":[25],"minority":[26,54],"applicants":[27,55],"are":[28,67,180],"10%":[29],"less":[30],"likely":[31],"receive":[33,38],"offers":[36],"and":[37,138,177],"worse":[39],"offer":[40],"terms":[41],"than":[42,58],"otherwise":[43],"identical":[44],"majority":[45],"applicants.":[46],"Anonymizing":[47],"reduces":[49],"such":[50],"substantially.":[52],"High-income":[53],"benefit":[56],"more":[57],"low-income":[59],"minorities.":[60],"show":[62],"that":[63],"the":[64,109,129,139,161],"not":[68],"driven":[69],"by":[70,86,99,108],"differences":[71],"credit":[73,85,92],"demand.":[74],"Overall,":[75],"anonymous":[76],"access":[83],"increasing":[87],"lender":[88],"reliance":[89],"objective":[91],"risk":[93],"measures.":[94],"This":[95,104],"paper":[96],"was":[97],"accepted":[98],"Kay":[100],"Giesecke,":[101],"finance.":[102],"Funding:":[103],"research":[105],"is":[106],"supported":[107],"Ministry":[110,141,163],"Education,":[112],"Singapore,":[113],"under":[114],"its":[115],"Social":[116],"Science":[117],"Research":[118,145,150,169],"Thematic":[119],"Grant":[120,136,151,170],"[Grant":[121],"MOE2019-SSRTG-024].":[122],"P.":[123],"Kabir":[124],"acknowledges":[125,157],"financial":[126,158],"support":[127,159],"from":[128,160],"National":[130],"University":[131],"Singapore":[133,140,162],"(NUS)":[134],"[Start-Up":[135],"A-0003875-00-00]":[137],"Education":[143,165],"[Academic":[144],"Fund":[146],"(AcRF)":[147],"Tier":[148,167],"1":[149,168],"A-8000758-00-00":[152],"&":[153],"A-8000760-00-00].":[154],"T.":[155],"Ruan":[156],"[AcRF":[166],"A-8000757-00-00].":[171],"Supplemental":[172],"Material:":[173],"The":[174],"internet":[175],"appendix":[176],"data":[178],"files":[179],"available":[181],"at":[182],"https://doi.org/10.1287/mnsc.2024.05026":[183],".":[184]},"counts_by_year":[],"updated_date":"2026-06-11T09:08:48.828518","created_date":"2025-10-10T00:00:00"}