Big data and advanced algorithms using machine learning (ML) have changed the way financial products and services are produced, delivered, and consumed, and they have a potential to change the entire financial landscapes. Along with providing customers with better, faster, and cheaper services,...

Drawing on a quasi-experiment, this paper analyzes the effects of providing a large amount of firm information on bank screening ability and lending activities, borrower operation activities, and banking market concentration. The experiment suggests that increasing the amount of information...

This study aims to track the structural development of academic research on credit risk assessment and big data using bibliometric analysis. The bibliography is obtained from the Scopus database and contains all studies with citations published between 2012 and 2021. The study's findings suggest...

Innovative technologies such as big data and predictive analytics are facilitating a global revolution in operational management. The present study aims to investigate the extent of their adoption among micro-, small and medium enterprises. The context of choice is Malaysia—a growing economy...

This study examines key default determinants of fintech loans, using loan-level data from the LendingClub consumer platform during 2007–2018. We identify a robust set of contractual loan characteristics, borrower characteristics, and macroeconomic variables that are important in determining...

Financial innovation in the form of new delivery channels, products, and providers has helped push out the frontier of access to finance and thus increase the bankable and banked population. Mobile money and crowdfunding platforms are prime examples for this. The same financial innovation has...