microdata shows that OB enables: i) consumers to access both financial advice and credit; ii) SMEs to establish new fintech …

Digital technologies and fintech firms have rapidly reshaped the consumer financial landscape in recent years, and have … examine the extent to which autopay affects payment behavior for customers of a credit card serviced by a fintech company …

typically benefits banks. Using proprietary data from a leading Chinese FinTech company, we study Fintech's role in ending … financial repression in China through the introduction of a money market fund with deposit-like features available through an … already widely-adopted household payment platform. Cities and banks whose depositor base is more exposed to FinTech see …

, China experienced a rapid increase in FinTech penetration in the form of offline digital payment, and our measure of FinTech …). Aggregating to the city-level, we find significant variations in Fin-Tech adoption across cities in China, owing to the gradual …This paper examines how FinTech can lower investment barriers and help households move toward optimal risk …

fintech-exposed jobs. Financial firms and those with high innovation outputs are able to offset the disruptive effect from the …This paper studies how demand for labor reacts to financial technology (fintech) shocks based on comprehensive … databases of fintech patents and firm job postings in the U.S. during the past decade. We first develop a measure of fintech …

source of exogenous variation. FinTech adoption reduces financial fee payments and penalties, but differs cross …

This paper assesses the potential impact of FinTech on the finance industry, focusing on financial stability and access …, and therefore unlikely to deliver much structural change. FinTech, on the other hand, can bring deep changes but is likely …