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Distrust or speculation? : the socioeconomic drivers of U.S. cryptocurrency investments
Auer, Raphael A.; Tercero-Lucas, David - 2021
Employing representative data from the U.S. Survey of Consumer Payment Choice, we disprove the hypothesis that cryptocurrency investors are motivated by distrust in fiat currencies or regulated finance. Compared with the general population, investors show no differences in their level of...
Persistent link: https://www.econbiz.de/10012619271
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Cryptocurrency market reactions to regulatory news
Auer, Raphael A.; Claessens, Stijn - 2020
Cryptocurrencies are often thought to operate out of the reach of national regulation, but in fact their valuations, transaction volumes and user bases react substantially to news about regulatory actions. The impact depends on the specific regulatory category to which the news relates: events...
Persistent link: https://www.econbiz.de/10012205633
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The microeconomics of cryptocurrencies
Hałaburda, Hanna; Haeringer, Guillaume; Gans, Joshua; … - 2021
Since its launch in 2009 much has been written about Bitcoin, cryptocurrencies and blockchains. While the discussions …
Persistent link: https://www.econbiz.de/10012418426
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Banking in the shadow of bitcoin? : the institutional adoption of cryptocurrencies
Auer, Raphael A.; Farag, Marc; Lewrick, Ulf; Orazem, Lovrenc - 2023
The phenomenal growth of cryptocurrencies raises important questions about their footprint on the financial system. What role are traditional financial intermediaries playing in cryptocurrency markets and what drives their engagement? Are new nodes emerging? We help answer these questions by...
Persistent link: https://www.econbiz.de/10014250401
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Cryptocurrencies, technology stocks, Covid-19 and US policy responses: a fractional integration analysis
Abakah, Emmanuel Joel Aikins; Caporale, Guglielmo Maria; … - 2022
the case of nine major coins (Bitcoin - BITC, Stella - STEL, Litecoin - LITE, Ethereum - ETHE, XRP (Ripple), Dash, Monero …
Persistent link: https://www.econbiz.de/10013041344
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On the equivalence of private and public money
Brunnermeier, Markus Konrad; Niepelt, Dirk - 2019
When does a swap between private and public money leave the equilibrium allocation and price system unchanged? To answer this question, the paper sets up a generic model of money and liquidity which identifies sources of seignorage rents and liquidity bubbles. We derive sufficient conditions for...
Persistent link: https://www.econbiz.de/10012033128
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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 …
Persistent link: https://www.econbiz.de/10012649756
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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