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How signaling and search costs affect information asymmetry in P2P lending : the economics of big data

Yan, Jiaqi; Yu, Wayne; Zhao, J. Leon - In: Financial innovation : FIN 1 (2015) 19, pp. 1-11

(Fintech) have been identified as important disruptive driving forces for this paradigm shift. In this paper, we take an …

Persistent link: https://www.econbiz.de/10011542071

Initial coin offerings (ICOs) : why do they succeed?

Campino, José; Brochado, Ana; Rosa, Álvaro - In: Financial innovation : FIN 8 (2022), pp. 1-35

Recent literature has addressed initial coin offering (ICO) projects, which are an innovative form of venture financing through cryptocurrencies using blockchain technology. Many features of ICOs remain unexplored, leaving much room for additional research, including the success factors of ICO...

Persistent link: https://www.econbiz.de/10013169701

Fintech, regtech, and financial development : evidence from China

Muganyi, Tadiwanashe; Yan, Linnan; Yin, Yingkai; Sun, … - In: Financial innovation : FIN 8 (2022), pp. 1-20

This study investigates the influence of fintech on developments in China's financial sector across 290 cities and 31 … fintech and financial development. Our findings show that fintech supports financial sector development by enhancing access … (loans), depth (deposits), and savings within China's financial institutions. We also show that the emergence of fintech in …

Persistent link: https://www.econbiz.de/10013170250

Analysis of the cryptocurrency market using different prototype-based clustering techniques

Lorenzo, Luis; Arroyo Gallardo, Javier - In: Financial innovation : FIN 8 (2022), pp. 1-46

Since the emergence of Bitcoin, cryptocurrencies have grown significantly, not only in terms of capitalization but also in number. Consequently, the cryptocurrency market can be a conducive arena for investors, as it offers many opportunities. However, it is difficult to understand. This study...

Persistent link: https://www.econbiz.de/10012799125

Impact of COVID-19 effective reproductive rate on cryptocurrency

Minutolo, Marcel C.; Kristjanpoller Rodríguez, Werner; … - In: Financial innovation : FIN 8 (2022), pp. 1-27

The importance of cryptocurrency to the global economy is increasing steadily, which is evidenced by a total market capitalization of over $2.18T as of December 17, 2021, according to coinmarketcap.com (Coin, 2021). Cryptocurrencies are too confusing for laymen and require more investigation. In...

Persistent link: https://www.econbiz.de/10013272649

Consumer lending efficiency : commercial banks versus a fintech lender

Hughes, Joseph P.; Jagtiani, Julapa; Moon, Choon-geol - In: Financial innovation : FIN 8 (2022), pp. 1-39

Fintechs are believed to help expand credit access to underserved consumers without taking on additional risk. We compare the performance efficiency of LendingClub's unsecured personal loans with similar loans originated by banks. Using stochastic frontier estimation, we decompose the observed...

Persistent link: https://www.econbiz.de/10013272697

Default or profit scoring credit systems? : evidence from European and US peer-to-peer lending markets

Lyócsa, Štefan; Vašaničová, Petra; Hadji Misheva, … - In: Financial innovation : FIN 8 (2022), pp. 1-21

For the emerging peer-to-peer (P2P) lending markets to survive, they need to employ credit-risk management practices such that an investor base is profitable in the long run. Traditionally, credit-risk management relies on credit scoring that predicts loans' probability of default. In this...

Persistent link: https://www.econbiz.de/10013272707

Financial technology and the future of banking

Broby, Daniel - In: Financial innovation : FIN 7 (2021), pp. 1-19

This paper presents an analytical framework that describes the business model of banks. It draws on the classical theory of banking and the literature on digital transformation. It provides an explanation for existing trends and, by extending the theory of the banking firm, it illustrates how...

Persistent link: https://www.econbiz.de/10012594546

Governing the gold rush into emerging markets : a case study of Indonesia's regulatory responses to the expansion of Chinese-backed online P2P lending

Tritto, Angela; He, Yujia; Junaedi, Victoria Amanda - In: Financial innovation : FIN 6 (2020) 51, pp. 1-24

to the literature on fintech governance in emerging Asian markets. It examines the case of the Indonesian government …

Persistent link: https://www.econbiz.de/10012317633

Fintech research : systematic mapping, classification, and future directions

Liu, Qianhua; Chan, Ka-Ching; Chimhundu, Ranga - In: Financial innovation : FIN 10 (2024), pp. 1-33

This systematic mapping study provides a comprehensive review of current Fintech publications, analyzing the current … state, maturity level, and future directions of Fintech research. Reviewing 518 Fintech articles across four academic … databases from 2008 to 2021, we find a significant increase in Fintech studies, especially in Quartile 1 and Quartile 2 journals …

Persistent link: https://www.econbiz.de/10014532057