Supersedes Working Paper 17-17 Fintech has been playing an increasing role in shaping financial and banking landscapes … billion to examine whether the fintech lending platform could expand credit access to consumers. We find that LendingClubâ … markets and in areas that have fewer bank branches per capita. We also find that the portion of LendingClub loans increases in …

and away from bank deposits. We highlightthat a distrust mindset promotes questioning default choices and considering …