Allen, Franklin; Gu, Xian; Jagtiani, Julapa - 2020 - Current draft: May 28, 2020
-to-peer lending, credit scoring, alternative data, distributed ledger technologies, blockchain, smart contracts, cryptocurrencies and … the unbanked and thin-file consumers around the globe, those consumers who are currently well served also turn to fintech … for faster services and greater transparency. Fintech, particularly the blockchain, has the potential to be disruptive to …