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Consumer-lending discrimination in the FinTech Era
Bartlett, Robert P.; Morse, Adair; Stanton, Richard; … - In: Journal of financial economics 143 (2022) 1, pp. 30-56
Persistent link: https://www.econbiz.de/10013350619
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What drives racial and ethnic differences in high cost mortgages? : the role of high risk lenders
Bayer, Patrick J.; Ferreira, Fernando Vendramel; Ross, … - 2016
This paper examines racial and ethnic differences in high cost mortgage lending in seven diverse metropolitan areas … lenders explains almost all of the racial and ethnic differences in high cost mortgage borrowing …
Persistent link: https://www.econbiz.de/10011524186
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Does fintech contribute to fair and equitable outcomes?
Ramachandran, Lakshmi Shankar - In: Fintech and Sustainability : How Financial Technologies …, (pp. 91-106). 2023
Persistent link: https://www.econbiz.de/10014438326
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Do algorithms discriminate against African Americans in lending?
Bertrand, Jérémie; Weill, Laurent - In: Economic modelling 104 (2021), pp. 1-12
Persistent link: https://www.econbiz.de/10013163981
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Price Discrimination and Mortgage Choice
Coen, Jamie; Kashyap, Anil K.; Rostom, May - National Bureau of Economic Research - 2023
We characterize the large number of mortgage offers for which people qualify in the United Kingdom. Very few pick the … dispersion in the mortgage menu is consistent with banks price discriminating for borrowers who might pick poorly, while …
Persistent link: https://www.econbiz.de/10014372409
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FinTech Lending with LowTech Pricing
Johnson, Mark J.; Ben-David, Itzhak; Lee, Jason; Yao, … - National Bureau of Economic Research - 2023
FinTech lending--known for using big data and advanced technologies--promised to break away from the traditional credit scoring and pricing models. Using a comprehensive dataset of FinTech personal loans, our study shows that loan rates continue to rely heavily on conventional credit scores,...
Persistent link: https://www.econbiz.de/10014250171
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Applications or Approvals : What Drives Racial Disparities in the Paycheck Protection Program?
Chernenko, Sergey; Kaplan, Nathan; Sarkar, Asani; … - National Bureau of Economic Research - 2023
bank approval disparity is also larger in more racially biased counties. We conclude that insofar as automation by fintechs …
Persistent link: https://www.econbiz.de/10014250189
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The Rise of E-Wallets and Buy-Now-Pay-Later : Payment Competition, Credit Expansion, and Consumer Behavior
Bian, Wenlong; Cong, Lin William; Ji, Yang - National Bureau of Economic Research - 2023
adoption globally. Such e-wallets provide not only a conduit to external bank accounts but also internal payment options …
Persistent link: https://www.econbiz.de/10014287303
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Bank misconduct and online lending
Bertsch, Christoph; Hull, Isaiah; Qi, Yingjie; Zhang, Xin - In: Journal of banking & finance 116 (2020), pp. 1-23
Persistent link: https://www.econbiz.de/10012489206
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Banks' consumer lending reaction to fintech and bigtech credit emergence in the context of soft versus hard credit information processing
Kowalewski, Oskar; Pisany, Paweł - In: International review of financial analysis 81 (2022), pp. 1-15
Persistent link: https://www.econbiz.de/10013396327