Motivated by the world-wide surge of FinTech lending, we analyze the implications of lender' information technology …

traditional banks to modernize their core business activities. Banks attempt to confront the challenges of digitalization by … banks to form alliances with fintechs. Furthermore, we analyze whether such bank-fintech alliances affect the market … Officer. We evidence that markets react more strongly if digital banks rather than traditional banks announce a bank-fintech …

, and motives through a FinTech application. Users increase their spending permanently, lower their savings rate, and …

We examine the impact of fintech start-ups on the performance and default risk of traditional financial institutions …. We find a positive relationship between fintech start-up formations and incumbent institutions’ performance for the … period 2005–2018 and a large sample of financial institutions from 87 countries. We further analyze the link between fintech …

loan from a fintech lender than a traditional bank. Among conventional lenders, smaller banks were much less likely to lend … financial positions, fintech affinity, or borrower application behavior. In contrast, we document that Black-owned businesses …