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 …

digital payments and the entry of a range of competitors including fintech and bigtech firms …

We investigate how the presence of physical bank branches moderates financial technology diffusion. Our identification …

investigates the early impact of fintech development in the region thus far. Against the backdrop of high net interest margins …. Difference-in-difference regressions and case studies on Brazil and Mexico suggest that fintech is associated with a reduction in … approaches and prudential considerations in fostering financial innovation and banking sector competition …