This study examines key default determinants of fintech loans, using loan-level data from the LendingClub consumer …

Supersedes Working Paper 17-17 Fintech has been playing an increasing role in shaping financial and banking landscapes … billion to examine whether the fintech lending platform could expand credit access to consumers. We find that LendingClubâ …

Supersedes Working Paper 17-17. Fintech has been playing an increasing role in shaping financial and banking landscapes …. There have been concerns about the use of alternative data sources by fintech lenders and the impact on financial inclusion …. We compare loans made by a large fintech lender and similar loans that were originated through traditional banking …

The intersection of finance and technology, known as fintech, has resulted in the dramatic growth of innovations and … has changed the entire financial landscape. While fintech has a critical role to play in democratizing credit access to … the unbanked and thin-file consumers around the globe, those consumers who are currently well served also turn to fintech …