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Tech in Fin before FinTech : blessing or curse for financial stability?
Pierri, Nicola; Timmer, Yannick - 2020
Motivated by the world-wide surge of FinTech lending, we analyze the implications of lenders' information technology …
Persistent link: https://www.econbiz.de/10012158713
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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 … firms. We study the content of 308 privacy statements respectively before and after the GDPR became binding. Using textual … analysis methods, we find that the readability of the privacy statements has decreased. The texts of privacy statements have …
Persistent link: https://www.econbiz.de/10012649756
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Determinants of financial inclusion of urban poor in India : an empirical analysis
Bapat, Dhananjay; Bhattacharyay, Biswanath - 2016
Financial inclusion is crucial for the inclusive and sustainable economic growth of developing countries. Access to financial services to all citizens, particularly to low income and poor people is a key to promote inclusive growth. While rural financial inclusion assumes importance from policy...
Persistent link: https://www.econbiz.de/10011541050
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The emergence of the global fintech market : economic and technological determinants
Haddad, Christian; Hornuf, Lars - 2016 - This Version: August 25, 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/10011547910
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The impact of fintech startups on financial snstitutions' performance and default risk
Haddad, Christian; Hornuf, Lars - 2021 - This version: April 24, 2021
We study the impact fintech startups have on the performance and the default risk of traditional financial institutions …. We find a positive relationship between fintech startup formations and incumbent institutions' performance for the period … fintech startup formations and the default risk of traditional financial institutions. Fintech startup formations decreases …
Persistent link: https://www.econbiz.de/10012509553
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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/10011924549
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How do banks interact with fintechs? : forms of alliances and their impact on bank value
Hornuf, Lars; Klus, Milan Frederik; Lohwasser, Todor S.; … - 2018 - This Version: July 18, 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/10011882455
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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/10012597099
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Crowdsourcing financial information to change spending behavior
D'Acunto, Francesco; Rossi, Alberto; 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/10011982228
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Robo-advising
D'Acunto, Francesco; Rossi, Alberto - 2020
In this chapter, we first discuss the limitations of traditional financial advice, which led to the emergence of robo-advising. We then describe the main features of robo-advising and propose a taxonomy of robo-advisors based on four defining dimensions - personalization, discretion,...
Persistent link: https://www.econbiz.de/10012200345