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Persistent link: https://www.econbiz.de/10012655296
There is evidence that machine learning (ML) can improve the screening of risky borrowers, but the empirical literature gives diverse answers as to the impact of ML on credit markets. We provide a model in which traditional banks compete with fintech (innovative) banks that screen borrowers...
Persistent link: https://www.econbiz.de/10013218633
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