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 … markets and in areas that have fewer bank branches per capita. We also find that the portion of LendingClub loans increases in …

There has been a great deal of interest recently in understanding the potential role of fintech firms in expanding … credit access to the underbanked and credit-constrained consumers. We explore the supply side of fintech credit, focusing on … unsecured personal loans and mortgage loans. We investigate whether fintech firms are more likely than other lenders to reach …

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 …