@article{borrowingonbeliefconsumerconfidenceandu,
  title = {Borrowing on Belief? Consumer Confidence and U.S. Credit -- A VECM Study},
  author = {Samiha Tariq and Weikang Zhang},
  year = {2025},
  eprint = {2505.21832},
  archivePrefix = {arXiv},
  url = {https://arxiv.org/abs/2505.21832v1},
}