. Epidemic exposure is associated with an increase in remote-access (online/mobile) banking and substitution from bank branch …

This paper examines how FinTech can lower investment barriers and help households move toward optimal risk …-taking, using a unique account-level data on consumption, investments, and FinTech usage from Ant Group. During our sample period …, China experienced a rapid increase in FinTech penetration in the form of offline digital payment, and our measure of FinTech …

This paper assesses the potential impact of FinTech on the finance industry, focusing on financial stability and access …, and therefore unlikely to deliver much structural change. FinTech, on the other hand, can bring deep changes but is likely …

By comparing uncollateralized business loans made by a big tech lending program with conventional bank loans, we find … far before maturity and borrow more frequently. These patterns remain for borrowers with access to bank credit. Our …

typically benefits banks. Using proprietary data from a leading Chinese FinTech company, we study Fintech's role in ending … already widely-adopted household payment platform. Cities and banks whose depositor base is more exposed to FinTech see … greater deposit outflows. Importantly, exposed banks respond to FinTech competition by offering competing products with market …

This paper studies how demand for labor reacts to financial technology (fintech) shocks based on comprehensive … databases of fintech patents and firm job postings in the U.S. during the past decade. We first develop a measure of fintech … exposure at the occupation level by intersecting the textual information in job task descriptions and fintech patents. We then …

source of exogenous variation. FinTech adoption reduces financial fee payments and penalties, but differs cross …

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 …