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Overview
Bank Underground is a blog written by staff at the Bank of England. Our goal is to bring more of our thinking into the public domain and to showcase our analytical and research output. We hope to contribute to the wider debate on areas that are relevant to the Bank’s work.
News
If AI disappoints? The transmission of US big-tech earnings news
Daniel Ostry, Roger Vicquéry and Emilio Zaratiegui There is growing concern among policymakers, international organisations, and even big-tech Chief Executive Officers (exhibits I, II and III) that the current artificial intelligence (AI) boom features va
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Canaries in the column? AI exposure and the UK's hiring slowdown
Haley Schlicht From Silicon Valley executives promising to automate white-collar work to headlines claiming AI is foreclosing the graduate entry market, the strained 'low fire, low hire' environment has increasingly been ascribed to technological transfor
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Is artificial intelligence making us more productive? What the UK industry data show
Sandra Batten Unlike previous waves of automation, machine learning and generative AI (Gen AI) technologies can perform non-routine cognitive tasks, such as those involving written or spoken language, and have the potential to affect a wider range of occu
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Demographics, deposits and data: using machine learning to segment UK mortgages
Joe Grimshaw Who are the UK's mortgage borrowers, and how do their characteristics differ? Despite extensive literature on mortgage profiles, loan-level segmentation remains limited, existing work relies on aggregates or predefined categories. I address t
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Credit constraints and housing market access
Belinda Tracey and Neeltje van Horen The Help-to-Buy (HTB) programme introduced in 2013 reopened the 95% loan to value (LTV) segment of the UK mortgage market, thereby reducing the minimum deposit requirement for many first-time buyers (FTBs) from 10% to
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