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The role of trust in online lending
Bertsch, Christoph; Hull, Isaiah; Qi, Yingjie; Zhang, Xin - 2017
strengthens in-person, bank-based borrowing and informal borrowing, reducing the demand for impersonal online lending. Both of …
Persistent link: https://www.econbiz.de/10011763048
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Financial technology and the future of banking
Broby, Daniel - In: Financial innovation : FIN 7 (2021), pp. 1-19
This paper presents an analytical framework that describes the business model of banks. It draws on the classical theory of banking and the literature on digital transformation. It provides an explanation for existing trends and, by extending the theory of the banking firm, it illustrates how...
Persistent link: https://www.econbiz.de/10012594546
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Determinants of Fintech and Bigtech Lending : the Role of Financial Inclusion and Financial Development
Ozili, Peterson K - 2023
Credit markets around the world are undergoing digital transformation which has led to the rise in Fintech and Bigtech lending. Fintech and Bigtech lending is the provision of credit by Fintech and Bigtech providers who have more capital, cutting-edge IT systems, worldwide recognition, greater...
Persistent link: https://www.econbiz.de/10014352571
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Does FinTech Compete with or Complement Bank Finance?
Cole, Rebel A. - 2019
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 …
Persistent link: https://www.econbiz.de/10012896639
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Can fintechs stabilize the financial sector?
Windl, Martin - 2020
The growing popularity of fintechs has led the Financial Stability Board (FSB) to publish considerations about the effects of this emerging industry on stability and efficiency in the financial sector. Against this background, this paper compares the effects of competition and collaboration...
Persistent link: https://www.econbiz.de/10012419125
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Bank misconduct and online lending
Bertsch, Christoph; Hull, Isaiah; Qi, Yingjie; Zhang, Xin - In: Journal of banking & finance 116 (2020), pp. 1-23
Persistent link: https://www.econbiz.de/10012489206
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The Dark Side of Universal Banking : Financial Conglomerates and the Origins of the Subprime Financial Crisis
Wilmarth, Arthur E. - 2009
Persistent link: https://www.econbiz.de/10013159841
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Recent Developments in the FinTech Industry
Chemmanur, Thomas J. - 2020
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...
Persistent link: https://www.econbiz.de/10012839086
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Transforming Paradigms : A Global AI in Financial Services Survey
Ryll, Lukas - 2020
This report presents the findings of a global survey on AI in Financial Services jointly conducted by the Cambridge Centre for Alternative Finance (CCAF) at the University of Cambridge Judge Business School and the World Economic Forum in Q2-Q3 2019. Representing one of the largest global...
Persistent link: https://www.econbiz.de/10012842311
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Fintech Finance and Financial Fragility ― Focusing on China
Lai, Rose Neng - 2017
important when Fintech moves beyond its technological focus and performs financial intermediation, particularly bank …
Persistent link: https://www.econbiz.de/10012943079