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so far address the questions: why banks collaborate with FinTechs (reasons) and how they do it (forms of cooperation …), whereas this paper aims at clarifying when the most likely form of their interaction is cooperation and when competition. To … countries/regions. The adoption of FinTechs and BigTechs turned out to be higher in EMDEs and lower in AEs, which makes it more …
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The analysis highlights the aspects of diversified market structures and of local, low-distance banking as advantageous for financial stability. Heterogeneity protects from uniform market behaviour. Local banking can better overcome the problem of asymmetric information, particular in SME...
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