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The geography of mortgage lending in times of fintech
Basten, Christoph; Ongena, Steven - 2020
Persistent link: https://www.econbiz.de/10012233030
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The geography of mortgage lending in times of FinTech
Basten, Christoph; Ongena, Steven - 2019
How do banks offer mortgages through on online platform to areas without their branch presence? Unique data on responses from different banks to applicant households yield three salient findings: First, banks offer 4% more often and 6 basis points cheaper credit when markets have high versus low...
Persistent link: https://www.econbiz.de/10012052445
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Banking and Financial Markets : How Banks and Financial Technology Are Reshaping Financial Markets
Bilan, Andrada; Degryse, Hans; O’Flynn, Kuchulain; … - 2019 - 1st ed. 2019
Lending -- 6. Global Banking -- 7. FinTech and the Future of Banking -- 8. Conclusion …The traditional role of a bank was to transfer funds from savers to investors, engaging in maturity transformation … innovation and technology. These new bank business models have had repercussions on the loan contract. In particular, the main …
Persistent link: https://www.econbiz.de/10012399037
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Banking and financial markets : how banks and financial technology are reshaping financial markets
Bilan, Andrada; Degryse, Hans; O'Flynn, Kuchulain; … - 2019
Persistent link: https://www.econbiz.de/10012118077
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Marketplace lending: a resilient alternative in the face of natural disasters?
Abedifar, Pejman; Doustali, Hossein; Ongena, Steven - 2023 - This draft: September 5, 2023
Persistent link: https://www.econbiz.de/10014480336
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The financial crisis and competition in retail banking : insights from the academic literature
Degryse, Hans; Ongena, Steven - In: The future of retail banking in Europe : competition …, (pp. 17-26). 2010
Persistent link: https://www.econbiz.de/10009659573
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Operational risk capital
Conlon, Thomas; Huan, Xing; Ongena, Steven - 2020
Persistent link: https://www.econbiz.de/10012271053
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Operational risk capital
Conlon, Thomas; Huan, Xing; Ongena, Steven - 2020
In a setting where private information goes public for the first time, we study the real effects of the Basel II Accord requiring banks to calculate operational risk capital, and disclose qualitative and quantitative information. Using a difference-in-differences setup featuring partial US...
Persistent link: https://www.econbiz.de/10012418359
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Operational risk capital
Conlon, Thomas; Huan, Xing; Ongena, Steven - 2020
Persistent link: https://www.econbiz.de/10012252033
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The economic impact of merger control: what is special about banking?
Carletti, Elena; Hartmann, Philipp; Ongena, Steven - 2007
-oriented regime for merger control increases banks’ stock prices, whereas it decreases those of non-financial firms. Moreover, bank … merger targets become more profitable and larger. A major determinant of the positive bank returns, after controlling inter … alia for the general quality of institutions and individual bank characteristics, is the opaqueness that characterizes the …
Persistent link: https://www.econbiz.de/10011604832