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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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Not just another shadow bank : Chinese authoritarian capitalism and the "developmental" promise of digital financial innovation
Gruin, Julian; Knaack, Peter - In: New political economy 25 (2020) 3, pp. 370-387
Persistent link: https://www.econbiz.de/10012209428
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The role of intermediaries in selection markets : evidence from mortgage lending
Allen, Jason; Clark, Robert; Houde, Jean-François; Li, … - 2023 - Last updated: February 24, 2023
We study the role of intermediaries (brokers) in the Canadian mortgage market. In this market, consumers can search for quotes in one of two ways: on their own or via a broker. We provide descriptive evidence that borrowers who transact through brokers are different from those who do not....
Persistent link: https://www.econbiz.de/10013542130
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Fintech emergence : an opportunity or threat to banking
Kaur, Arvinder; Kumar, Pawan; Taneja, Sanjay; Özen, Ercan - In: International journal of electronic finance : IJEF 13 (2024) 1, pp. 1-19
Persistent link: https://www.econbiz.de/10015064329
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Implications of financial intermediation on the performance of commercial banks in Nigeria : 2000-2017
Adeyinka, Adewole Joseph; Dare, Funso David; Kayode, … - In: Financial markets, institutions and risks : FMIR 3 (2019) 4, pp. 94-105
Persistent link: https://www.econbiz.de/10012176490
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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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Financial Intermediation in the Age of Fintech : P2P Lending and the Reinvention of Banking
Bavoso, Vincenzo - 2021
This article focuses on the rise of FinTech over the past ten years, particularly with respect to the role of technology-based platforms in the provision of credit. In this specific context, P2P lending has acquired an increasing importance, with a larger share of loans having been originated...
Persistent link: https://www.econbiz.de/10013226525
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Do Fintech lenders penetrate areas that are underserved by traditional banks?
Jagtiani, Julapa; Lemieux, Catharine M. - 2018
markets and in areas that have fewer bank branches per capita. We also find that the portion of LendingClub loans increases in …
Persistent link: https://www.econbiz.de/10011891828
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Impact of fintech on bank risk-taking : evidence from China
Deng, Liurui; Lv, Yongbin; Liu, Ye; Zhao, Yiwen - In: Risks : open access journal 9 (2021) 5, pp. 1-27
This article focuses on the relationship between Fintech and bank risk-taking behavior. Since Robo-Advisor is one of … medium-sized banks from 2011 to 2016. We found that the development of Fintech has significantly reduced bank risk …-taking level. This result is still valid after the robustness test of replacing the bank's risk-taking index and replacing the …
Persistent link: https://www.econbiz.de/10012597095
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Fintech Lenders : A Threat to Shadow Banks?
Banerjee, Ashok; Banerjee, Anirban; Mukherjee, Deep Narayan - 2022
We study the personal loan segment of the consumer credit market using individual loan-level data covering fintech, non-banking financial companies, and traditional banks as lenders. We show that fintech lenders dominate the small-ticket loan and provide stiff competition to non-banking...
Persistent link: https://www.econbiz.de/10013491764