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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

Consumer Loan Rate Dispersion and the Role of Competition : Evidence from the Turkish Banking Sector

Baziki, Selva; Kılıç, Yavuz; Yilmaz, Muhammed Hasan - 2021

This paper aims to examine the degree of dispersion in the loan pricing of commercial banks and its association with competitive conditions. To this end, an indexation mechanism processing a novel bank-level dataset is proposed to quantify the lending rate variability in general-purpose,...

Persistent link: https://www.econbiz.de/10013244832

Payday Lending, Bank Overdraft Protection, and Fair Competition at the Consumer Financial Protection Bureau

Clarke, Robert - 2014

The Consumer Financial Protection Bureau (CFPB) is considering new regulation of payday lending and bank overdraft … to the regulation of payday lending and bank overdraft protection, products that are offered by different entities but …. Unequal regulation would provide a competitive advantage for one product over another, resulting in reduced choice and higher …

Persistent link: https://www.econbiz.de/10013062102

Kreditvermittlung als Absatzweg der Kreditinstitute für Konsumentenratenkredite

Mackenthun, Thomas - 1985

Persistent link: https://www.econbiz.de/10013262254

Bankrupt in America : a history of debtors, their creditors, and the law in the twentieth century

Hansen, Mary Eschelbach; Hansen, Bradley A. - 2020

"In Bankrupt in America, Mary and Brad Hansen show that examination of how Americans have used bankruptcy law and the history of the law itself offers important perspective on the history of bankruptcy in America. Using new statistical and documentary evidence, they illustrate the cycles of...

Persistent link: https://www.econbiz.de/10012437904

Bank stress test results and their impact on consumer credit markets

Agarwal, Sumit; An, Xudong; Cordell, Larry; Roman, Raluca A. - 2020

Persistent link: https://www.econbiz.de/10012372949

Benefits of relationship banking : evidence from consumer credit markets

Agarwal, Sumit; Chomsisengphet, Souphala; Liu, Chunlin; … - 2009

This paper empirically examines the benefits of relationship banking to banks, in the context of consumer credit markets. Using a unique panel dataset that contains comprehensive information about the relationships between a large bank and its credit card customers, we estimate the effects of...

Persistent link: https://www.econbiz.de/10008660575

Consumer lending efficiency : commercial banks versus a Fintech lender

Hughes, Joseph P.; Jagtiani, Julapa; Moon, Choon-geol - 2019

We compare the performance of unsecured personal installment loans made by traditional bank lenders with that of LendingClub, using a stochastic frontier estimation technique to decompose the observed nonperforming loans into three components. The first is the best-practice minimum ratio that a...

Persistent link: https://www.econbiz.de/10012058938

Benefits of relationship banking : evidence from consumer credit markets

Agarwal, Sumit; Chomsisengphet, Souphala; Liu, Chunlin; … - In: Journal of monetary economics 96 (2018), pp. 16-32

Persistent link: https://www.econbiz.de/10012108989

The effects of competition in consumer credit markets

Gissler, Stefan; Ramcharan, Rodney; Yu, Edison - 2019

Persistent link: https://www.econbiz.de/10012110875