Credit Line Usage, Checking Account Activity, and Default Risk of Bank Borrowers

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The Impact of Incentives and Communication Costs on Information Production and Use: Evidence from Bank Lending: Impact of Incentives and Communication Costs on Information (2015, unknown): “In addition, Norden and Weber (2010) find that credit line usage and abnormal checking account activity help predict default by small businesses and individuals.”
Bargaining power and information in SME lending (2010, background): “Second, we extend the literature that analyzes the type of information in banking, especially the importance of soft information (e.g., Burghof 2000; Berger and Udell 2002; Petersen 2004; Grunert et al. 2005; Agarwal and Hauswald 2007; Liberti and Mian 2009; Norden and Weber 2010).”
Collateralization, Bank Loan Rates and Monitoring : Evidence from a Natural Experiment (2012, background): “Evidence on the importance of indications from account activity for loan pricing is provided by Norden and Weber (2010). this internal limit.”
Liquidity Requirements, Liquidity Choice and Financial Stability (2016, unknown): “Rather than reviewing the results from many papers on capital regulation we refer interested readers to several recent surveys including Brooke et al (2015), Martynova (2015), Rochet (2014) (and the references therein).”
Who Supplies PPP Loans (and Does It Matter)? Banks, Relationships, and the COVID Crisis (2020, background): “Norden and Weber (2010) find that credit-line usage helps banks forecast default.”