driven financial innovation; and (iii) what the rise of fintech and bigtech implies for the structure of the financial system …

data indicate that bank failures in a county are associated with a reduction in debt and rewards crowdfunding, and total … crowdfunding (including donations and rewards as well, however, bank failures are statistically unrelated to those types of … crowdfunding in our empirical setting). The data are consistent with bank failures being associated with a reduction in the …

There has been a great deal of interest recently in understanding the potential role of fintech firms in expanding … credit access to the underbanked and credit-constrained consumers. We explore the supply side of fintech credit, focusing on … unsecured personal loans and mortgage loans. We investigate whether fintech firms are more likely than other lenders to reach …

theory of banking and the literature on digital transformation. It provides an explanation for existing trends and, by … banking and the all-digital banks. The paper contributes to an understanding of the future of banking, providing a framework … concluded that, in an increasingly digital world, trust will remain at the core of banking. That said, liquidity transformation …

This paper is a review of fintech and its interaction with banking. Included in fintech are innovations in payment … systems (including cryptocurrencies), credit markets (including P2P lending), and insurance, with blockchain-assisted smart … contract playing a role. The paper provides a definition of fintech, examines some statistics and stylized facts, and then …

In this article, we review some recent developments in the field of Financial Technology or “FinTech.” We begin with an … overview of what FinTech is and why it has become an important growth industry in the financial services area and therefore an … important research topic in finance. In the next section, we review some of the academic literature in the FinTech area. In the …

for banks. This article looks at the possible effect of Fintech and Big data Analytics on the efficiency of banking … factors can significantly affect the adoption of FinTech more than others. Further studies should be conducted based on …

particular; and explores the promise for widespread application of Bitcoin's underlying blockchain technological platform to the …. Third, there is an explanation of blockchain technology - what it is and why it is important. Fourth, the article discusses … recent developments that provide a validation of blockchain application to financial services markets. Finally, there is a …

lenders to traditional bank lenders. We examine how bank lenders have responded to the growth of fintech lending, both as a …Previous studies researching the impact of fintech on mortgage lending have focused primarily on comparing fintech …, fintech reduces total lending of traditional banks, the brunt of which is carried by small banks. This effect is greater for …