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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
To explore the determinants of peer-to-peer (P2P) lending expansion, this study examines factors that impact P2P lending using a sample of 62 economies over the period 2015-2017. We investigate the effects of financial development and financial literacy on the expansion of P2P lending. The level...
Persistent link: https://www.econbiz.de/10012181873
, specifically in the banking sector, using data from the Reserve Bank of India's Report of the Working Group on Fintech and Digital …
Persistent link: https://www.econbiz.de/10013349179
strengthens in-person, bank-based borrowing and informal borrowing, reducing the demand for impersonal online lending. Both of …
Persistent link: https://www.econbiz.de/10011763048
Credit markets around the world are undergoing digital transformation which has led to the rise in Fintech and Bigtech lending. Fintech and Bigtech lending is the provision of credit by Fintech and Bigtech providers who have more capital, cutting-edge IT systems, worldwide recognition, greater...
Persistent link: https://www.econbiz.de/10014352571
In the context of developing FinTech innovation, a commercial bank's use of FinTech innovation can improve its risk … management capability, thereby reducing its risk-taking. This paper explores the impact and mechanism of a bank's FinTech … innovation on its risk-taking using panel data of 65 commercial banks between 2008 and 2020. We innovatively construct a bank …
Persistent link: https://www.econbiz.de/10013449258
Persistent link: https://www.econbiz.de/10012670915
. However, bank customers will only turn to the new business model of web-based financial intermediation if the economic …
Persistent link: https://www.econbiz.de/10010532619
bank-efficiency and financial inclusion among the frontier and fragile groups, respectively. Results from both the dynamic … the long-run through Fintech adoption. The study recommends the collaboration of Fintech with banks, improved bank …
Persistent link: https://www.econbiz.de/10013179597
Persistent link: https://www.econbiz.de/10011988239