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Fintech unfolding : financial revolution in India
Goel, Pooja; Kulsrestha, Shweta; Maurya, Sushil Kumar - In: Thailand and the world economy 40 (2022) 2, pp. 41-51
The aim of this paper is to present the role of Financial Technologies, or Fintech, in the financial industry, specifically in the banking sector, using data from the Reserve Bank of India's Report of the Working Group on Fintech and Digital Banking (2017). The paper discusses recent Fintech...
Persistent link: https://www.econbiz.de/10013349179
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Local digital lending development and the incidence of deprivation in Kenya
Tetteh, Godsway Korku - In: Financial innovation : FIN 9 (2023) 1, pp. 1-26
digital credit may quicken remote access to consumer credit without the need for collateral, little is known about its …
Persistent link: https://www.econbiz.de/10014364140
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Determinants of peer-to-peer lending expansion : the roles of financial development and financial literacy
Oh, Eun Young; Rosenkranz, Peter - 2020
To explore the determinants of peer-to-peer (P2P) lending expansion, this study examines factors that impact P2P lending using a sample of 62 economies over the period 2015-2017. We investigate the effects of financial development and financial literacy on the expansion of P2P lending. The level...
Persistent link: https://www.econbiz.de/10012181873
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The Deadly Cost of Informal Lending : An Economic Model of Agrarian Suicide in Punjab
Johnson, Daniel K. N.; Singh, Lakhwinder; Bhangoo, Kesar; … - 2020
to trace the potential roots of the situation. Results show that the use of informal credit from commission agents by …
Persistent link: https://www.econbiz.de/10014090351
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COVID-19 pandemic risk and probability of loan default : evidence from marketplace lending market
Nigmonov, Asror; Shams, Syed - In: Financial innovation : FIN 7 (2021), pp. 1-28
2020. We also find that the magnitude of the impact of COVID-19 risk is higher for borrowers with lower credit ratings and …) and employing logit regression method, we provide evidence of the pandemic-induced exposure to default risk in the … to 0.079 in the post-pandemic period. COVID-19 pandemic has a significant impact on default risk during May and June of …
Persistent link: https://www.econbiz.de/10012705553
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The real effects of FinTech lending on SMEs : evidence from loan applications
Eça, Afonso; Ferreira, Miguel A.; Prado, Melissa Porras; … - 2022
We show that FinTech lending affects credit markets and real economic activity using a unique data set of a Peer … businesses who already have access to bank credit. Firms use FinTech to obtain long-term unsecured loans and reduce their …
Persistent link: https://www.econbiz.de/10012818733
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The Real Effects of FinTech Lending on SMEs : Evidence from Loan Applications
Eca, Afonso; Ferreira, Miguel A.; Prado, Melissa Porras; … - 2022
already have access to bank credit. Firms access FinTech to obtain long-term unsecured loans and reduce their exposure to …
Persistent link: https://www.econbiz.de/10014238723
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The Real Effects of FinTech Lending on SMEs : Evidence from Loan Applications
Eca, Afonso; Ferreira, Miguel A.; Prado, Melissa Porras; … - 2022
We show that FinTech lending affects credit markets and real economic activity using a unique data set of a Peer … businesses who already have access to bank credit. Firms use FinTech to obtain long-term unsecured loans and reduce their …
Persistent link: https://www.econbiz.de/10013302730
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The Real Effects of Fintech Lending on SMEs : Evidence from Loan Applications
Eca, Afonso; Ferreira, Miguel A.; Prado, Melissa Porras; … - 2022
already have access to bank credit. Firms access FinTech to obtain long-term unsecured loans and reduce their exposure to …
Persistent link: https://www.econbiz.de/10013492241
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Peer-to-peer lending (P2P) as disruptive, but complementary in Covid-19 exogenous shock
Kohardinata, Cliff; Suhardianto, Novrys; Tjahjadi, Bambang - In: Verslas : teorija ir praktika : Vilniaus Gedimino … 25 (2024) 1, pp. 241-251
The purpose of this study is to examine the effect of P2P lending on bank credit in each type/segment of banking credit … consisting of working capital credit, investment credit, and consumer credit in the period before and during the occurrence of … turned to be complementary during the pandemic, it might be due to P2P lending flexibility complementing the bank credit …
Persistent link: https://www.econbiz.de/10015046034