. However, bank customers will only turn to the new business model of web-based financial intermediation if the economic …

businesses who already have access to bank credit. Firms use FinTech to obtain long-term unsecured loans and reduce their … increase leverage and substitute long-term bank debt with FinTech debt. Our findings suggest that FinTech allows firms to … preserve financial exibility, reduce their bank dependence and exposure to banking shocks. …

) and its inverted U-shape behavior since the mid-1960s. We build a novel model of endogenous growth and bank intermediation … and introduce imperfect bank competition, bank IT adoption and bank entry, and an occupational choice that determines the …

after replacing bank loans. Both FinTech and bank loans are found to benefit the real economy …

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 …

This paper studies the effects of bank branches’ access to broadband internet on credit to non-financial firms. We rely …