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Fintech unfolding : financial revolution in India
Goel, Pooja; Kulsrestha, Shweta; Maurya, Sushil Kumar - In: Thailand and the world economy 40 (2022) 2, pp. 41-51
The aim of this paper is to present the role of Financial Technologies, or Fintech, in the financial industry, specifically in the banking sector, using data from the Reserve Bank of India's Report of the Working Group on Fintech and Digital Banking (2017). The paper discusses recent Fintech...
Persistent link: https://www.econbiz.de/10013349179
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The impact of fintechs on financial intermediation : a functional approach
Crouhy, Michel; Galai, Dan; Wiener, Zvi - In: The journal of FinTech 1 (2021) 1, pp. 2031001-1-2031001-52
Persistent link: https://www.econbiz.de/10012628285
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A survey of Fintech research and policy discussion
Allen, Franklin; Gu, Xian; Jagtiani, Julapa - In: Review of corporate finance 1 (2021) 3/4, pp. 259-339
Persistent link: https://www.econbiz.de/10013457350
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Financial technology and the future of banking
Broby, Daniel - In: Financial innovation : FIN 7 (2021), pp. 1-19
This paper presents an analytical framework that describes the business model of banks. It draws on the classical theory of banking and the literature on digital transformation. It provides an explanation for existing trends and, by extending the theory of the banking firm, it illustrates how...
Persistent link: https://www.econbiz.de/10012594546
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Blockchain, Herding and Trust in Peer-to-Peer Lending
Gonzalez, Laura - 2019
Blockchain is a decade-old “trust machine”, and peer-to-peer (P2P) lending a decade-old alternative to banks in online … platforms where lenders have limited information about borrowers. The gradual implementation of blockchain technology in P2P … costly loan processes of banks. However, other uses of blockchain may be needed. This study is the first behavioral …
Persistent link: https://www.econbiz.de/10012897025
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Digital currency and blockchain security in accelerating financial stability : a mediating role of credit supply
Misbah Sadiq; Aysan, Ahmet Faruk; Kayani, Umar Nawaz - In: Borsa Istanbul Review 23 (2023) 6, pp. 1251-1262
This study examines how blockchain and digital currency have affected the supply of credit and financial stability. It … that most industries do not require central banks and, instead, concentrate on modern digital currency and blockchain …, central banks should adopt digital currency and blockchain with an online technological payment strategy in order to enhance …
Persistent link: https://www.econbiz.de/10014446769
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The real effects of FinTech lending on SMEs : evidence from loan applications
Eça, Afonso; Ferreira, Miguel A.; Prado, Melissa Porras; … - 2022
We show that FinTech lending affects credit markets and real economic activity using a unique data set of a Peer-to-Business platform for which we have the universe of loan applications. We find that FinTech serves high quality and creditworthy small businesses who already have access to bank...
Persistent link: https://www.econbiz.de/10012818733
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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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What is Fueling FinTech Lending? The Role of Banking Market Structure
Balyuk, Tetyana - 2020
FinTech growth raises questions about its competitive advantages vis-à-vis traditional providers, the relative risks of FinTech products, and real economic effects. We study FinTech platform small business lending, yielding new answers that may apply to FinTech more generally. Findings suggest...
Persistent link: https://www.econbiz.de/10012830316
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Human vs. machine : underwriting decisions in finance
Jansen, Mark; Nguyen, Hieu; Shams, Amin - 2020
Using a randomized experiment in the auto lending industry, we provide causal evidence of higher loan profitability and lower default rates with algorithmic machine underwriting, relative to human underwriting. We find that machine-underwritten loans generate 10.2% higher profit than...
Persistent link: https://www.econbiz.de/10012263223