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Do Fintech Firms Bring Lower Borrowing Costs? Evidence from the Us Unsecured Personal Loan Market
Ueda, Ken; Zhang, Yan; Zhao, Xinlei Shelly - 2023
Using unsecured personal loans from a credit bureau, we find that fintech firms bring lower borrower costs than the traditional lenders (i.e., banks and credit unions) in the medium to high credit score segments (i.e., credit score 670). Among subprime borrowers (i.e., credit score 670), fintech...
Persistent link: https://www.econbiz.de/10014353211
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The role of the Lendtech sector in the consumer credit market in the context of household financial exclusion
Waliszewski, Krzysztof; Cichowicz, Ewa; Gębski, Łukasz; … - In: Oeconomia Copernicana 14 (2023) 2, pp. 609-643
Persistent link: https://www.econbiz.de/10014520841
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Payday Lending Regulation and Borrower Vulnerability in the United Kingdom and Australia
Ali, Paul - 2015
vulnerability in the UK and Australia and the regulatory responses in those two countries to payday lending. Payday loans in … Australia are the same as those that are available in the UK and the concerns that are now being raised in the UK about payday … lending formed the basis for recent regulatory intervention in Australia. This article also contains an empirical study of the …
Persistent link: https://www.econbiz.de/10013024000
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Getting the credit : an analysis of consumer financial services in the UK
Fletcher, Frank - 1985
Persistent link: https://www.econbiz.de/10002193986
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Credit limit of unsecured consumer lending : evidence from micro data
Johan, Suwinto; Dewi, Calista Endrina - In: Economics and finance in Indonesia : EFI 67 (2021) 1, pp. 51-62
Persistent link: https://www.econbiz.de/10012627523
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Lessons from the Efforts to Manage the Shift Away from Defined Benefit Plans to Defined Contribution Plans in Australia, the United Kingdom, and the United States
Brown, Elizabeth F. - 2016
This Article examines what lessons may be learned from examining how Australia, the United Kingdom, and the United …
Persistent link: https://www.econbiz.de/10013005963
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Measuring bias in consumer lending
Dobbie, Will; Liberman, Andres; Paravisini, Daniel; … - 2019
Persistent link: https://www.econbiz.de/10012111330
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Access to consumer credit in the UK
Deku, Solomon Y.; Kara, Alper; Molyneux, Philip - In: The European journal of finance 22 (2016) 10/12, pp. 941-964
Persistent link: https://www.econbiz.de/10011715281
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Informal borrowers and financial exclusion : the invisible unbanked at the intersections of race and gender
Long, Melanie G. - In: The review of black political economy : analyzing … 47 (2020) 4, pp. 363-403
Persistent link: https://www.econbiz.de/10012391573
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Peer-to-peer lending and financial innovation in the United Kingdom
Atz, Ulrich; Bholat, David - 2016
Persistent link: https://www.econbiz.de/10011480673