Motivated by the world-wide surge of FinTech lending, we analyze the implications of lenders' information technology … adoption for financial stability. We estimate bank-level intensity of IT adoption before the global financial crisis using a … novel dataset that provides information on hardware used in US commercial bank branches after mapping them to their parent …

Motivated by the world-wide surge of FinTech lending, we analyze the implications of lenders' information technology … adoption for financial stability. We estimate bank-level intensity of IT adoption before the global financial crisis using a … novel dataset that provides information on hardware used in US commercial bank branches after mapping them to their parent …

regulation and Europeanisation of supervision, however, -so far neglecting differences in risk profiles and bank sizes … recent developments, we argue that FinTech applications are expected to complement, not to replace, existing banking and … financial services. However, we warn against existing regulatory loopholes and regulatory arbitrage for FinTech applications and …

The rise of financial technology (fintech) driven business models in banking poses a challenge for financial regulators … encouraged by regulators, the nature of fintech business models may increase the risk of financial instability. Regulators are … resolving the dilemma that is evaluated in the context of the regulatory response to the rise of fintech credit in the …