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Financial inclusion and bank competition in Sub-Saharan Africa
Mengistu, Azanaw; Perez-Saiz, Hector - 2018
In this paper we study how competition and financial soundness affect financial inclusion in Sub-Saharan Africa (SSA …). We use detailed individual-level survey data, combined with key country-level indicators of bank competition and …, and bank loans). We find that more competition tends to increase the probability of access to these financial products. On …
Persistent link: https://www.econbiz.de/10011978430
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Competition and bank risk : the role of securitization and bank capital
Altunbaş, Yener; Marqués Ibáñez, David; … - 2019
We examine how bank competition in the run-up to the 2007-2009 crisis affects banks' systemic risk during the crisis … competition at the industry level lead to higher realized systemic risk. The results suggest that the use of securitization …
Persistent link: https://www.econbiz.de/10012102090
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Impact of interest rate cap on financial inclusion in Cambodia
Heng, Dyna; Chea, Serey; Heng, Bomakara - 2021
Interest rate caps, despite their intended objective of broadening financial inclusion, can have undesirable effects on financial inclusion under certain conditions. This paper examines the effect of microfinance-loan interest rate caps on financial inclusion in Cambodia. Based on a...
Persistent link: https://www.econbiz.de/10012604813
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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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Drivers of financial access : the role of macroprudential policies
Deléchat, Corinne; Kiyasseh, Lama; MacDonald, Margaux; … - 2020
This study analyzes the drivers of the use of formal vs. informal financial services in emerging and developing countries using the 2017 Global FINDEX data. In particular, we investigate whether individuals' choice of financial services correlates with macro-financial and macro-structural...
Persistent link: https://www.econbiz.de/10012251399
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Quantum computing and the financial system : spooky action at a distance?
Deodoro, Jose; Gorbanyov, Michael; Malaika, Majid; … - 2021
The era of quantum computing is about to begin, with profound implications for the global economy and the financial system. Rapid development of quantum computing brings both benefits and risks. Quantum computers can revolutionize industries and fields that require significant computing power,...
Persistent link: https://www.econbiz.de/10012518899
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Competition in the Financial Sector : Overview of Competition Policies
Claessens, Stijn - 2009
As in other sectors, competition in finance matters for allocative, productive and dynamic efficiency. Theory suggests …, however, that unfettered competition is not first best given the special features of finance. I review these analytics and … describe how to assess the degree of competition in markets for financial services. Existing research shows that the degree of …
Persistent link: https://www.econbiz.de/10014404300
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Fintech in Latin America and the Caribbean : stocktaking
Berkmen, P.; Beaton, Kimberly; Gershenson, Dmitriy; … - 2019
policy makers. Fintech provides opportunities to deepen financial development, competition, innovation, and inclusion in the …
Persistent link: https://www.econbiz.de/10012009989
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Fintech potential for remittance transfers : a Central America perspective
Bersch, Julia; Clevy, Jean François; Muhammad, Naseem; … - 2021
This paper analyzes the potential for fintech to facilitate cheaper and more efficient remittances, and to enhance financial inclusion in Central America. Digital remittances remain nascent in the region, primarily reflecting behavioral inertia, small cost advantages of digital over traditional...
Persistent link: https://www.econbiz.de/10012610695
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FinTech in financial inclusion : machine learning applications in assessing credit risk
Bazarbash, Majid - 2019
Recent advances in digital technology and big data have allowed FinTech (financial technology) lending to emerge as a potentially promising solution to reduce the cost of credit and increase financial inclusion. However, machine learning (ML) methods that lie at the heart of FinTech credit have...
Persistent link: https://www.econbiz.de/10012021979