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Performing transparency in relation to financial instruments is thus not solely a contemporary phenomenon, but as old the legal system itself. Achieving transparency through the regulation of contemporary financial instruments may well be dependent on a far greater range of material processes, however this greater complexity should only increase our attention to the way they combine with people and other material processes across a varied range of highly situated social settings.

I could not agree more. But I would like more concreteness. You hint at a negative or at least skeptical view of transparency in consumer credit. But I am not sure I understand, or how exactly its negative effects are related to the Magna Carta. I can attest, for instance, that transparency is a key issue in market microstructure. Academics debate whether it creates liquidity, or reduces. Here, finance economists are divided about it.

Most are in favor, some oppose it, but all of them realize in one way or another that information about orders can lead investors to pull back: if so-and-so wants to sell a ton of IBMs, the thinking goes, why would I want to buy? The key role of the intermediary —i. Here is a nice example of an argument on the perils of transparency a difficult state to be in, indeed :.

For them, there is such a thing as too much transparency — especially if it undermines public faith in banks or discourages ailing companies from seeking help. Thanks for article Fabian. And thanks also to Daniel for your comment. I will try my best to deliver a little more concreteness…! Your question has two parts: whether there are negative effects to transparency in relation to consumer credit and, if so, how on earth this relates to the Magna Carta.

Let me address, at least in part, this second element of the question first, so to speak. First, it simply provides for me a nice example of the persistence of needs to institute framing mechanisms around forms of borrowing. Hence the need for more complex framing devices, to account for some of the unknowable, opaque future eventualities.

You could certainly go back further than the Magna Carta, and look at the various sanctions and edicts around borrowing in a range of religious texts and social norms. But the Magna Carta does something more than that, in attempting to lay down a clear jurisprudential framework around borrowing. It is, therefore, much more similar to the kinds of contemporary market devices that abound now. And, when you see the Magna Carta, you are struck by its tactility, by the careful material labour that has gone into constructing it.

So, on to the first part of your question. There is an implied assumption, in relation to consumer credit, in governmental discourse at least, that there is an identity between transparency and economic calculation in relation to consumer credit. That more transparency in relation to consumer credit will lead to better, and more sensible, borrowing decisions amongst consumers.

But I will hold off making any more comments on this now, until I have worked though this further. I see. My take on the Magna Carta would be similar to that of an institutional economist a la Doug North… seems that the materiality there symbolizes the importance of preserving property rights. Far more interesting, and closer to my own concerns, is the role of transparency and free information flow to consumers and borrowers.

I agree that the present material devices pose important challenges to the ability to calculate. I like the thinking behind the reverse mortgage calculator and its attempts to complicate the ways in which the future can be rendered visible. Stewart suggests that in fact the very existence of a minimum payment has adverse effects on many of those who repay only part of the bill, becoming treated erroneously as a guide towards repayment amounts.

In his experiment, the lower the suggested minimum repayment, the lower the likely partial repayment. They also devised their own tool on the website to try and make the costs of partial repayment more visible — unfortunately, the link does not seem to be working at the moment. This is precious material. And in fact, the two of them are related. My sense is that it is because there is a lack of proper calculating tools that users get anchored to the minimum.

So, of course there is anchoring. I was rather surprised by the apparent naivete of Neil Stewart. Virtually all credit card statements include minimum payments. But this consumer safeguard has an unexpected negative consequence: Minimum payments distort the behaviour of many customers in a way that increases interest charges and increases the duration of their debt.

OK, but on to the FSA calculator. This is excellent stuff. I think it could be more even helpful with some improvements. However, the study does I think at least speak to some of what Sid Winter discussed when he came into Columbia last week.

This does to some extent resonate with the idea of a borrower, in a moment of improvised decision making, fixing on a figure and reading it erroneously as a guide towards a repayment amount. And I wonder to what extent more tools would be of help in those situations, given their improvised nature?

Calculating tools are of undeniable potential benefit to a consumer, at least to some extent giving them greater calculative agency in certain situations and yes, better design, as you suggested, could help I suspect.

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Toggle navigation. Search open E I. Geothermal Direct Use:. Other definitions: Wikipedia Reegle. Loading map Categories : Geothermal Geothermal Technologies. Contact needs updating. Out of date content. Broken link. But I would like more concreteness. You hint at a negative or at least skeptical view of transparency in consumer credit. But I am not sure I understand, or how exactly its negative effects are related to the Magna Carta.

I can attest, for instance, that transparency is a key issue in market microstructure. Academics debate whether it creates liquidity, or reduces. Here, finance economists are divided about it. Most are in favor, some oppose it, but all of them realize in one way or another that information about orders can lead investors to pull back: if so-and-so wants to sell a ton of IBMs, the thinking goes, why would I want to buy? The key role of the intermediary —i.

Here is a nice example of an argument on the perils of transparency a difficult state to be in, indeed :. For them, there is such a thing as too much transparency — especially if it undermines public faith in banks or discourages ailing companies from seeking help.

Thanks for article Fabian. And thanks also to Daniel for your comment. I will try my best to deliver a little more concreteness…! Your question has two parts: whether there are negative effects to transparency in relation to consumer credit and, if so, how on earth this relates to the Magna Carta. Let me address, at least in part, this second element of the question first, so to speak.

First, it simply provides for me a nice example of the persistence of needs to institute framing mechanisms around forms of borrowing. Hence the need for more complex framing devices, to account for some of the unknowable, opaque future eventualities. You could certainly go back further than the Magna Carta, and look at the various sanctions and edicts around borrowing in a range of religious texts and social norms.

But the Magna Carta does something more than that, in attempting to lay down a clear jurisprudential framework around borrowing. It is, therefore, much more similar to the kinds of contemporary market devices that abound now.

And, when you see the Magna Carta, you are struck by its tactility, by the careful material labour that has gone into constructing it. So, on to the first part of your question. There is an implied assumption, in relation to consumer credit, in governmental discourse at least, that there is an identity between transparency and economic calculation in relation to consumer credit. That more transparency in relation to consumer credit will lead to better, and more sensible, borrowing decisions amongst consumers.

But I will hold off making any more comments on this now, until I have worked though this further. I see. My take on the Magna Carta would be similar to that of an institutional economist a la Doug North… seems that the materiality there symbolizes the importance of preserving property rights. Far more interesting, and closer to my own concerns, is the role of transparency and free information flow to consumers and borrowers.

I agree that the present material devices pose important challenges to the ability to calculate. I like the thinking behind the reverse mortgage calculator and its attempts to complicate the ways in which the future can be rendered visible. Stewart suggests that in fact the very existence of a minimum payment has adverse effects on many of those who repay only part of the bill, becoming treated erroneously as a guide towards repayment amounts.

In his experiment, the lower the suggested minimum repayment, the lower the likely partial repayment. They also devised their own tool on the website to try and make the costs of partial repayment more visible — unfortunately, the link does not seem to be working at the moment.

This is precious material. And in fact, the two of them are related. My sense is that it is because there is a lack of proper calculating tools that users get anchored to the minimum. So, of course there is anchoring. I was rather surprised by the apparent naivete of Neil Stewart.

Virtually all credit card statements include minimum payments. But this consumer safeguard has an unexpected negative consequence: Minimum payments distort the behaviour of many customers in a way that increases interest charges and increases the duration of their debt. OK, but on to the FSA calculator. This is excellent stuff. I think it could be more even helpful with some improvements. However, the study does I think at least speak to some of what Sid Winter discussed when he came into Columbia last week.

This does to some extent resonate with the idea of a borrower, in a moment of improvised decision making, fixing on a figure and reading it erroneously as a guide towards a repayment amount. And I wonder to what extent more tools would be of help in those situations, given their improvised nature? Calculating tools are of undeniable potential benefit to a consumer, at least to some extent giving them greater calculative agency in certain situations and yes, better design, as you suggested, could help I suspect.

Either way, questions that need further inquiry…. Right on. What your comment suggests is that one should take a symmetrical approach to the study of calculation and routine. The purported advantage of routines is that they save on the cognitive cost of decision making.

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