The adoption of financial technology (fintech) has the potential to make banking and financial services more accessible and convenient for all, but there are significant barriers preventing the adoption of fintech by street vendors and hawkers in India. This study aims to identify and analyse...

We study the impact of trust on the expansion of online lending in the U.S. over the 2008-2016 period. Using data from the largest platform, we demonstrate that a misconduct-driven decline of trust in traditional banking is associated with a statistically and economically significant increase in...

This paper studies the effect of market structure on the diffusion of e-commerce technologies. These include self-serve electronic check-in/-out kiosks, online retail outlets, online customer-service centers, and e-banking, which reduce costs for firms relative to their old, non-electronic...