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Technological innovation and discrimination in household finance
Morse, Adair; Pence, Karen M. - 2020
Persistent link: https://www.econbiz.de/10012388552
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On Fintech and Financial Inclusion
Philippon, Thomas - 2020
The cost of financial intermediation has declined in recent years thanks to technology and increased competition in some parts of the finance industry. I document this fact and I analyze two features of new financial technologies that have stirred controversy: returns to scale and the use of big...
Persistent link: https://www.econbiz.de/10012840125
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Fintech for the Poor : Financial Intermediation without Discrimination
Tantri, Prasanna L. - 2020
We ask whether machine learning algorithms improve the efficiency of screening of the loan officers, and thereby help expand access to formal credit. We obtain loan application level data from an Indian bank. To overcome the selective labels problem, we exploit the incentive driven within...
Persistent link: https://www.econbiz.de/10012844261
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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 consumer-lending market using an identification afforded by the pricing of …
Persistent link: https://www.econbiz.de/10012900731
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Fintech for the poor : financial intermediation without discrimination*
Tantri, Prasanna - In: Review of finance : journal of the European Finance … 25 (2021) 2, pp. 561-593
Persistent link: https://www.econbiz.de/10012546180
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On Fintech and Financial Inclusion
Philippon, Thomas - 2020
The cost of financial intermediation has declined in recent years thanks to technological progress and increased competition. I document this fact and I analyze two features of new financial technologies that have stirred controversy: returns to scale, and the use of big data and machine...
Persistent link: https://www.econbiz.de/10012831538
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On Fintech and Financial Inclusion
Philippon, Thomas - 2019
The cost of financial intermediation has declined in recent years thanks to technological progress and increased competition. I document this fact and I analyze two features of new financial technologies that have stirred controversy: returns to scale, and the use of big data and machine...
Persistent link: https://www.econbiz.de/10012480275
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The evolution of P2P lending
Duarte, Jefferson; Siegel, Stephan; Young, Lance - In: Research handbook on alternative finance, (pp. 181-212). 2024
Persistent link: https://www.econbiz.de/10014581465
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Fintech and financial inclusion
Venet, Baptiste - In: A research agenda for financial inclusion and microfinance, (pp. 162-172). 2019
Persistent link: https://www.econbiz.de/10012176736
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Sustainability, FinTech and Financial Inclusion
Arner, Douglas W. - 2020
We argue that sustainable balanced development is preconditioned on financial inclusion, and that FinTech is the key driver for financial inclusion. In turn, the full potential of FinTech to support the Sustainable Development Goals will only be realized with a progressive approach to developing...
Persistent link: https://www.econbiz.de/10012849229