, we show that fintech loans to entrepreneurs are more likely to be unsecured and short-term while bank loans are expected … to be asset-backed and long-term. The findings suggest that fintech lenders substitute data for collateral to leverage …

Does the recent proliferation of technology in lending process have an impact on business loan market competition … show that FinTech (Traditional) lenders primarily supply unsecured (asset-backed) loans to borrowers with short-term (long … competition between two ex-ante symmetric lenders. Lenders use screening technology and collateral requirements to mitigate …

compares the effects of competition and collaboration between banks and fintechs on stability and efficiency. Using a partial …