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India's approach to open banking : some implications for financial inclusion
Carrière-Swallow, Yan; Haksar, Vikram; Patnam, Manasa - 2021
We examine how the development of the digital infrastructure known as the 'India Stack'-including an interoperable payments system, a universal digital ID, and other features-is delivering on the government's objective to expand the provision of financial services. While each individual...
Persistent link: https://www.econbiz.de/10012518740
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Does IT help? : information technology in banking and entrepreneurship
Ahnert, Toni; Dörr, Sebastian; Pierri, Nicola; Timmer, … - 2021
empirical analysis, we build a parsimonious model of bank screening and lending that predicts that IT in banking can spur …
Persistent link: https://www.econbiz.de/10012605121
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Drivers of financial access : the role of macroprudential policies
Deléchat, Corinne; Kiyasseh, Lama; MacDonald, Margaux; … - 2020
be associated with greater resort to informal financial services compared with formal, bank-based access. This highlights …
Persistent link: https://www.econbiz.de/10012251399
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Fintech and financial inclusion in Latin America and the Caribbean
Gershenson, Dmitry; Herrera, Luis; Lambert, Frederic; … - 2021
Despite some improvement since 2011, Latin America and the Caribbean continue to lag behind other regions in terms of financial inclusion. There is no clear evidence that fintech developments have supported greater financial inclusion in LAC, contrary to what has been observed elsewhere in the...
Persistent link: https://www.econbiz.de/10012796812
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Is digital financial inclusion unlocking growth?
Khera, Purva; Ng, Stephanie; Ogawa, Sumiko; Sahay, Ratna - 2021
Digital financial services have been a key driver of financial inclusion in recent years. While there is evidence that financial inclusion through traditional services has a positive impact on economic growth, do the same results carry over for digital financial inclusion? What drives digital...
Persistent link: https://www.econbiz.de/10012612325
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The real effects of mobile money : evidence from a large-scale fintech expansion
Patnam, Manasa; Yao, Weijia - 2020
Mobile money services have rapidly expanded across emerging and developing economies and enabled new ways through which households and firms can conduct payments, save and send remittances. We explore how mobile money use can impact economic outcomes in India using granular data on transactions...
Persistent link: https://www.econbiz.de/10012299387
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Tech in fin before FinTech : blessing or curse for financial stability?
Pierri, Nicola; Timmer, Yannick - 2020
adoption for financial stability. We estimate bank-level intensity of IT adoption before the global financial crisis using a … novel dataset that provides information on hardware used in US commercial bank branches after mapping them to their parent … bank. We find that higher intensity of IT-adoption led to significantly lower non-performing loans when the crisis hit …
Persistent link: https://www.econbiz.de/10012252731
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Six Puzzles in Electronic Money and Banking
Nsouli, Saleh M. - 2004
The literature on the economic effects of electronic money and banking lacks organization and a common analytical framework. This paper identifies the main issues raised by e-money and e-banking and presents them as six puzzles. Our solutions to the puzzles build a framework for analyzing the...
Persistent link: https://www.econbiz.de/10014404123
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The impact of legislation on credit risk : comparative evidence from the United States, the United Kingdom and Germany
Schmieder, Christian; Schmieder, Philipp - 2011
Persistent link: https://www.econbiz.de/10009486196
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Bank balance sheets and the value of lending
Chen, Jiaqian; Vera, Giuseppe - 2017
We study 1,400 UK syndicated loans, together with the financial history of the lead bank and the borrowing firm. We … that it primarily reflects the lead bank's screening and monitoring activities. (ii) As a bank becomes larger, more … profitability and financial distress during the lending relationship. By relating the state of bank balance sheets to borrower …
Persistent link: https://www.econbiz.de/10011704460