. Payday credit is priced per dollar borrowed, so when that option is available, depositors prone to small overdrafts switch … at banks and other depository institutions increases when depositors have access to payday credit. Our findings … illuminate competition and pricing frictions in the large, yet largely unstudied, small-dollar loan market. -- Payday credit …

. Payday credit is priced per dollar borrowed, so when that option is available, depositors prone to small overdrafts switch … at banks and other depository institutions increases when depositors have access to payday credit. Our findings …

How does banking competition affect credit provision and growth? How does it affect financial stability? In order to … identify the causal effects of banking competition, we exploit a discontinuity in bank capital requirements during the 19th … century National Banking Era. We show that banks operating in markets with lower entry barriers extend more credit. The …

This paper empirically investigates the relationship between interbank competition, bank orientation and credit … test whether and how, during a credit crunch period, competition affects bank orientation and how relationship lending and … interbank competition can mitigate the credit crunch problem, for financially distressed firms. Using a unique and large bank …

This paper analyzes the causal relationship between institutional diversity in domestic banking sectors and bank … stability. We use a large bank- and country-level unbalanced panel data set covering the EU member states' banking sectors … of institutional diversity in the domestic banking sector positively affects bank stability. The positive relationship …

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 industry, I find evidence that the acquisition of lines of credit … for firms in more competitive industries, fewer lines of credit are acquired per firm both in terms of the number and …

We study an e-commerce platform’s incentive to enter the credit market and offer loans for vendors’ innovations. The … conditions under which the platform finds it optimal to enter the credit market as the combination of interest rate and fee …

, we show that fintech loans to entrepreneurs are more likely to be unsecured and short-term while bank loans are expected … credit availability and interest rates offered by fintechs and banks, drawn from the Federal Reserve's Small Business Credit …