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The Emergence of the Global Fintech Market: Economic and Technological Determinants

Haddad, Christian; Hornuf, Lars - 2016

purpose of reinventing financial technology (fintech). We find that countries witness more fintech startup formations when the … lower the number of fintech startups in a country. Overall, the evidence suggests that fintech startup formation need not be …

Persistent link: https://www.econbiz.de/10011555573

Crowdsourcing financial information to change spending behavior

D'Acunto, Francesco; Rossi, Alberto G.; Weber, Michael - 2019

with similar characteristics) through a FinTech app. First, users who spend more than their peers reduce their spending …

Persistent link: https://www.econbiz.de/10012018224

How Do Banks Interact with Fintechs? Forms of Alliances and their Impact on Bank Value

Hornuf, Lars; Klus, Milan F.; Lohwasser, Todor S.; … - 2018

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 … the fintech and that banks most often cooperate with fintechs providing payment services. …

Persistent link: https://www.econbiz.de/10011931920

Personal Communication in a Fintech World: Evidence from Loan Payments

Laudenbach, Christine; Pirschel, Jenny; Siegel, Stephan - 2018

We examine the effect of personal, two-way communication on the behavior of borrowers, who have fallen behind on their consumer loan payments. While the lender has informed all borrowers about the delinquency through an automatically generated letter, some borrowers also receive a phone call...

Persistent link: https://www.econbiz.de/10011932045

The Impact of Peer-to-Peer Lending on Small Business Loans

Kim, Jin-Hyuk; Stähler, Frank - 2020

We investigate the impact of peer-to-peer lending on the small business loans originated by US depository institutions that are subject to the Community Reinvestment Act. We present a model where a borrower can choose between a traditional bank and a crowdlending platform and show that the entry...

Persistent link: https://www.econbiz.de/10012214179

Cryptocurrencies, Technology Stocks, Covid-19 and US Policy Responses: A Fractional Integration Analysis

Abakah, Emmanuel Joel Aikins; Caporale, Guglielmo Maria; … - 2022

This paper assesses the impact of US policy responses to the Covid-19 pandemic on various cryptocurrencies and also technology stocks using fractional integration techniques. More precisely, it analyses the behaviour of the percentage returns in the case of nine major coins (Bitcoin - BITC,...

Persistent link: https://www.econbiz.de/10013177658

Epidemic Exposure, Fintech Adoption, and the Digital Divide

Saka, Orkun; Eichengreen, Barry; Aksoy, Cevat Giray - 2021

We ask whether epidemic exposure leads to a shift in financial technology usage within and across countries and if so who participates in this shift. We exploit a dataset combining Gallup World Polls and Global Findex surveys for some 250,000 individuals in 140 countries, merging them with...

Persistent link: https://www.econbiz.de/10012657879

Promise not Fulfilled: FinTech Data Privacy, and the GDPR

Dorfleitner, Gregor; Hornuf, Lars; Kreppmeier, Julia - 2021

This article analyzes how the General Data Protection Regulation (GDPR) has affected the privacy practices of FinTech …

Persistent link: https://www.econbiz.de/10012799659

The Promises and Pitfalls of Robo-advising

D'Acunto, Francesco; Prabhala, Nagpurnanand; Rossi, … - 2018

We study a robo-advising portfolio optimizer that constructs tailored strategies based on in- vestors’ holdings and preferences. Adopters are similar to non-adopters in terms of demographics, but have more assets under management, trade more, and have higher risk-adjusted performance. The...

Persistent link: https://www.econbiz.de/10011815800

Crowdfunding Dynamics

Belleflamme, Paul; Lambert, Thomas; Schwienbacher, Armin - 2019

Various forms of social learning and network effects are at work on crowdfunding platforms, giving rise to informational and payoff externalities. We use novel entrepreneur-backer data to study how these externalities shape funding dynamics, within and across projects. We find that backers...

Persistent link: https://www.econbiz.de/10012140998