Akhavein, Jalal; Frame, W. Scott; White, Lawrence J. - Financial Institutions Center, Wharton School of Business - 2001
innovated earlier, which is consistent with theories stressing the importance of bank organizational form on lending style … innovation of the 1990s: banks' use of credit scoring for small business lending. We examine the responses of 95 large banking … organizations to a survey that asked whether they had adopted credit scoring for small business lending as of June 1997 (55 had done …