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Ben Naceur, Sami - 2023

This paper examines how the growing presence of FinTech firms affects the performance of traditional financial institutions. The findings point to a negative impact on profitability, primarily due to a reduction in interest income and a rise in operational costs. Although established financial...

Persistent link: https://www.econbiz.de/10015058989

Is Schumpeter Right? Fintech and Economic Growth

Cevik, Serhan - 2024

The rise of fintech is revolutionizing the financial landscape, with products and companies advancing innovative technologies to improve and automate financial services. In this paper, I use a novel dataset and implement a dynamic modelling to investigate the relationship between fintech and...

Persistent link: https://www.econbiz.de/10015058710

Does FinTech Increase Bank Risk Taking?

Elekdag, Selim - 2024

-fragility hypothesis. However, the inclusion of bank-, industry-, and country-specific characteristics can alter this relationship …

Persistent link: https://www.econbiz.de/10015058735

The Dark Side of the Moon? Fintech and Financial Stability

Cevik, Serhan - 2023

Rapid advances in digital technology are revolutionizing the financial landscape. The rise of fintech has the potential to make financial systems more efficient and competitive and broaden financial inclusion. With greater technological complexity, however, fintech also poses potential systemic...

Persistent link: https://www.econbiz.de/10015058867

Fintech Payments in Public Financial Management: Benefits and Risks

Uña, Gerardo - 2023

Fintech payments leverage large digital platforms to fill gaps in the traditional payment system. They have made great strides in increasing access to payment services in several countries around the globe. At the same time, like any innovation, the new payment models are exposed to risks in...

Persistent link: https://www.econbiz.de/10015059723

Curb Your Enthusiasm: The Fintech Hype Meets Reality in the Remittances Market

da Silva Filho, Tito Nícias Teixeira - 2022

Fintech has become one of the most popular topics among policymakers and experts. It usually comes with the qualifier "disruptive". Thus, the hype is easy to understand: fintech would upend the financial system due to its disruptive nature, as it would allow financial services to be completed...

Persistent link: https://www.econbiz.de/10015059957

Women in Fintech: As Leaders and Users

Khera, Purva - 2022

While digital financial services have made access to finance easier, faster, and less costly, helping to broaden digital financial inclusion, its impact on gender gaps varies across countries. Moreover, women leaders in the fintech industry, although growing, remain scarce. This paper explores...

Persistent link: https://www.econbiz.de/10015060259

Fintech: Financial Inclusion or Exclusion?

Tok, Yoke Wang - 2022

This paper examines the role of Fintech in financial inclusion. Using Global Findex data and emerging fintech indicators, we find that Fintech has a higher positive correlation with digital financial inclusion than traditional measures of financial inclusion. In the second stage of our empirical...

Persistent link: https://www.econbiz.de/10015060450

Banks' liability structure and mortgage lending during the financial crisis

Dagher, Jihad C.; Kazimov, Kazim - 2012

during the financial crisis in the United States. We focus on mortgage lending to minimize the impact of confounding demand … disaggregated data on mortgage applications that we use allows us to study the time variations in banks' decisions to grant mortgage … loans, while controlling for bank, borrower, and regional characteristics. The wealth of data al …

Persistent link: https://www.econbiz.de/10009618540

Credit Booms and Lending Standards : Evidence From the Subprime Mortgage Market

Dell'Ariccia, Giovanni - 2008

This paper links the current sub-prime mortgage crisis to a decline in lending standards associated with the rapid … declines in lending standards by incumbent banks. Finally, lending standards declined more in areas with higher mortgage …

Persistent link: https://www.econbiz.de/10014409025

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