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Reducing The Wealth Gap Through Fintech 'Advances' in Consumer Banking and Lending

Foohey, Pamela - 2020

Research shows that Black, Latinx, and other minorities pay more for credit and banking services, and that wealth accumulation differs starkly between their households and white households. The link between debt inequality and the wealth gap, however, remains less thoroughly explored,...

Persistent link: https://www.econbiz.de/10012839898

Does FinTech change the market power of traditional banks in China?

Qi, Hanying; Yang, Keng; Wang, Weijia - In: Journal of business economics and management 23 (2022) 5, pp. 1060-1083

This study assesses the impact of the development of financial technology (FinTech) on the market power of traditional banks. We analyze the relationship between FinTech companies and traditional banks based on the barriers-to-entry theory, and verify the resulting hypothesis by using panel data...

Persistent link: https://www.econbiz.de/10013500607

Banks’ consumer lending reaction to fintech and bigtech credit emergence in the context of soft versus hard credit information processing

Kowalewski, Oskar; Pisany, Paweł - 2021

We analyze competition in the consumer lending segment between banks and financial technology (or “fintech”) companies (or “fintechs”) as well as giant technology (or “bigtech”) companies (or “bigtechs”) providing alternative credit. We use a database combining banklevel...

Persistent link: https://www.econbiz.de/10013210905

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

Curbing credit corruption in China : the role of FinTech

Su, Fan; Xu, Chao - In: Journal of innovation & knowledge : JIK 8 (2023) 1, pp. 1-14

FinTech is an emerging financial innovation model that promotes a "technological anti-corruption" effect. Credit corruption is a worldwide problem; however, previous studies have not focused on the anti-corruption effect of FinTech. This study first uses micro data from FinTech companies to...

Persistent link: https://www.econbiz.de/10014372086

Does FinTech substitute for banks? : evidence from the Paycheck Protection Program

Erel, Isil; Liebersohn, Jack - 2020

Paycheck Protection Program (PPP). We find that FinTech is disproportionately used in ZIP codes with fewer bank branches, lower …

Persistent link: https://www.econbiz.de/10012244555

Wide or narrow? : competition and scope in financial intermediation

Robles-Garcia, Claudia; Benetton, Matteo; Buchak, Greg - 2022

Persistent link: https://www.econbiz.de/10013285943

Consumer Lending Discrimination in the FinTech Era

Bartlett, Robert P. - 2019

Discrimination in lending can occur either in face-to-face decisions or in algorithmic scoring. We provide a workable interpretation of the courts' legitimate-business-necessity defense of statistical discrimination. We then estimate the extent of racial/ethnic discrimination in the largest...

Persistent link: https://www.econbiz.de/10012900731

Consumer lending efficiency : commercial banks versus a fintech lender

Hughes, Joseph P.; Jagtiani, Julapa; Moon, Choon-geol - In: Financial innovation : FIN 8 (2022), pp. 1-39

Fintechs are believed to help expand credit access to underserved consumers without taking on additional risk. We compare the performance efficiency of LendingClub's unsecured personal loans with similar loans originated by banks. Using stochastic frontier estimation, we decompose the observed...

Persistent link: https://www.econbiz.de/10013272697

Bank Non-Performing Loans in the Fintech Era

Ozili, Peterson K - 2021

This study investigates the behavior of bank non-performing loans in the Fintech era. Using data from 35 developed … countries from 1998 to 2016, the findings show that non-performing loans are fewer in the second wave Fintech era. Also, bank …

Persistent link: https://www.econbiz.de/10013213669

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