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Competition and adverse selection in the small-dollar loan market : overdraft versus payday credit
Melzer, Brian T.; Morgan, Donald P. - 2009 - Rev.
We find that competition from payday lenders leads depository institutions to raise overdraft fees and reduce the … illuminate competition and pricing frictions in the large, yet largely unstudied, small-dollar loan market. -- Payday credit … ; overdraft credit ; competition ; adverse selection …
Persistent link: https://www.econbiz.de/10003947557
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Competition and Adverse Selection in the Small-Dollar Loan Market : Overdraft versus Payday Credit
Melzer, Brian; Morgan, Donald P. - 2010
We find that competition from payday lenders leads depository institutions to raise overdraft fees and reduce the … illuminate competition and pricing frictions in the large, yet largely unstudied, small-dollar loan market …
Persistent link: https://www.econbiz.de/10014204039
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Competition and Selection in Credit Markets
Yannelis, Constantine; Zhang, Anthony Lee - 2021
We present both theory and evidence that increased competition may decrease rather than increase consumer welfare in … subprime credit markets. We present a model of lending markets with imperfect competition, adverse selection and costly lender …
Persistent link: https://www.econbiz.de/10013215080
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The Effects of Ownership Structure and Competition on Risk-Taking Behavior : Evidence from UAE Conventional and Islamic Banks
Hassan Al-Tamimi, Hussein A. - 2013
The objective of this study is to examine the effect of ownership structure and competition on risk-taking behaviour of … ownership structure. Concentration is used as a measure of competition. Three control variables are also included in the …
Persistent link: https://www.econbiz.de/10013090119
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The Competitive Structure and Strategic Rank of Brazilian Banks
Galilea, Gisele - 2013
This work looks into the dynamics of the competitive structure and strategic positioning of the Brazilian banks. Over the eighteen years covered by the study, we saw periods of strategic instability in this industry and differing structures of strategic groups, with regard to not only their...
Persistent link: https://www.econbiz.de/10013073599
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The Competition between Relationship-Based Microfinance and Transaction Lending
Schrader, Jan - 2009
We empirically analyze the competition between a relationship lender and a transaction lender in the credit business … competition between different banking types. We find that the quality of ProCredit borrowers who have a transaction loan as well …
Persistent link: https://www.econbiz.de/10013153185
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Efficient Cyber Risk : Security and Competition in Financial Markets
Brolley, Michael - 2020
, in the presence of a cyber-attacker. In equilibrium, provider competition leads to both lower fees and security …
Persistent link: https://www.econbiz.de/10012841695
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Competition Theory of Risk Management Failures
Bouvard, Matthieu - 2019
of risk management failures to be the trifecta of (1) “boom” markets, (2) time-based competition, and (3) firms in which …
Persistent link: https://www.econbiz.de/10012904239
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Competition and innovation in the financial sector: evidence from the rise of FinTech start-ups
Caragea, Doina; Dobri, Mihai; Cojoianu, Theodor; … - 2022
We provide new evidence on the effects of competition on incumbents' innovative behavior by examining the rise of …, competition from start-ups results in a higher number of FinTech patent applications by financial incumbents as compared to non …
Persistent link: https://www.econbiz.de/10012799292
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Industry Competition and Bank Lines of Credit
Hu, Maggie - 2014
Motivated by a debate on the effect of debt on firms' product market performance, I examine the effect of lines of credit on firms' future profits. Consistent with the notion that lines of credit provide firms with unique financial flexibility and enhance their strategic position within the...
Persistent link: https://www.econbiz.de/10013043556