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Consumer-lending discrimination in the FinTech Era
Bartlett, Robert P.; Morse, Adair; Stanton, Richard; … - In: Journal of financial economics 143 (2022) 1, pp. 30-56
Persistent link: https://www.econbiz.de/10013350619
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Banks’ consumer lending reaction to fintech and bigtech credit emergence in the context of soft versus hard credit information processing
Kowalewski, Oskar; Pisany, Paweł - 2021
We analyze competition in the consumer lending segment between banks and financial technology (or “fintech”) companies (or “fintechs”) as well as giant technology (or “bigtech”) companies (or “bigtechs”) providing alternative credit. We use a database combining banklevel...
Persistent link: https://www.econbiz.de/10013210905
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Do Fintech Shadow Banks Compete with Technological Advantages? Evidence from Mortgage Lending
Shen, Siyi; Wang, Sijie; Zheng, Xiang - 2022
Contrary to common perceptions, we find that fintech shadow banks do not possess technological advantages over traditional banks, which have had significantly more patent output and technology-based talent (digital capital) acquisitions over the past decade. Consequently, although fintech shadow...
Persistent link: https://www.econbiz.de/10014236486
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Consumer-Lending Discrimination in the Fintech Era
Bartlett, Robert P. - 2019
Discrimination in lending can occur either in face-to-face decisions or in algorithmic scoring. We provide a workable … interpretation of the courts' legitimate-business-necessity defense of statistical discrimination. We then estimate the extent of … racial/ethnic discrimination in the largest consumer-lending market using an identification afforded by the pricing of …
Persistent link: https://www.econbiz.de/10012858947
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Consumer-Lending Discrimination in the FinTech Era
Bartlett, Robert - 2019
Discrimination in lending can occur either in face-to-face decisions or in algorithmic scoring. We provide a workable … interpretation of the courts' legitimate-business-necessity defense of statistical discrimination. We then estimate the extent of … racial/ethnic discrimination in the largest consumer-lending market using an identification afforded by the pricing of …
Persistent link: https://www.econbiz.de/10012479893
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Consumer-lending discrimination in the FinTech era
Bartlett, Robert P.; Morse, Adair; Stanton, Richard; … - 2019
Persistent link: https://www.econbiz.de/10012053257
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Can FinTech shape the dynamics of consumer credit usage among the un(der)banked?
Ntwiga, Davis Bundi - 2019
We use the 2016 FinAccess Household survey data of 2015 from 8665 households and desktop reviews to examine how perceptions, behaviour, financial literacy and socioeconomic characteristics of un(der) banked consumers can shape their dynamics towards credit usage. The challenges and opportunities...
Persistent link: https://www.econbiz.de/10012801623
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Consumer lending efficiency : commercial banks versus a fintech lender
Hughes, Joseph P.; Jagtiani, Julapa; Moon, Choon-geol - In: Financial innovation : FIN 8 (2022), pp. 1-39
Fintechs are believed to help expand credit access to underserved consumers without taking on additional risk. We compare the performance efficiency of LendingClub's unsecured personal loans with similar loans originated by banks. Using stochastic frontier estimation, we decompose the observed...
Persistent link: https://www.econbiz.de/10013272697
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Does FinTech substitute for banks? : evidence from the Paycheck Protection Program
Erel, Isil; Liebersohn, Jack - 2020
Paycheck Protection Program (PPP). We find that FinTech is disproportionately used in ZIP codes with fewer bank branches, lower …
Persistent link: https://www.econbiz.de/10012244555
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Regressive Mortgage Credit Redistribution in the Post-crisis Era
D'Acunto, Francesco - 2017
We document that, since 2011, mortgage lenders reduced credit to middle-class households by 15% and increased credit to …
Persistent link: https://www.econbiz.de/10012968262