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Can FinTech shape the dynamics of consumer credit usage among the un(der)banked?

Ntwiga, Davis Bundi - 2019

We use the 2016 FinAccess Household survey data of 2015 from 8665 households and desktop reviews to examine how perceptions, behaviour, financial literacy and socioeconomic characteristics of un(der) banked consumers can shape their dynamics towards credit usage. The challenges and opportunities...

Persistent link: https://www.econbiz.de/10012801623

The role of trust in online lending

Bertsch, Christoph; Hull, Isaiah; Qi, Yingjie; Zhang, Xin - 2017

strengthens in-person, bank-based borrowing and informal borrowing, reducing the demand for impersonal online lending. Both of …

Persistent link: https://www.econbiz.de/10011763048

Lending in the dark : local newspaper closures and discrimination in mortgage lending

Tran Huynh - 2025

This paper examines the extent to which local newspaper closures affect discrimination against minority borrowers in … mortgage lending. I Ąnd that following a newspaper closure, interest rate differentials between minority (black or Hispanic …) and comparable non-minority borrowers increase by 5.5 basis points, widening the existing gap in mortgage outcomes between …

Persistent link: https://www.econbiz.de/10015410463

Does FinTech substitute for banks? : evidence from the Paycheck Protection Program

Erel, Isil; Liebersohn, Jack - 2020

Paycheck Protection Program (PPP). We find that FinTech is disproportionately used in ZIP codes with fewer bank branches, lower …

Persistent link: https://www.econbiz.de/10012244555

Stakeholders' aversion to inequality and bank lending to minorities

Crosignani, Matteo; Le, Hanh - 2023

. Using mortgage application data collected under the Home Mortgage Disclosure Act, we document a large and persistent cross …

Persistent link: https://www.econbiz.de/10014440763

How resilient is mortgage credit supply? : evidence from the COVID-19 pandemic

Fuster, Andreas; Hizmo, Aurel; Lambie-Hanson, Lauren; … - 2021 - This version: May 2021

We study the evolution of US mortgage credit supply during the COVID-19 pandemic. Although the mortgage market …

Persistent link: https://www.econbiz.de/10012581406

How resilient is mortgage credit supply? : evidence from the Covid-19 pandemic

Fuster, Andreas; Hizmo, Aurel; Lambie-Hanson, Lauren; … - 2021

We study the evolution of US mortgage credit supply during the COVID-19 pandemic. Although the mortgage market … guarantees and loans to the riskiest borrowers. Mortgage-backed securities purchases by the Federal Reserve also supported the …

Persistent link: https://www.econbiz.de/10012593674

Evidence and actions on mortgage market disparities : research, fair lending enforcement and consumer protection

Courchane, Marsha J.; Ross, Stephen L. - 2018

Persistent link: https://www.econbiz.de/10011965157

Which lenders are more likely to reach out to underserved consumers : banks versus fintechs versus other nonbanks?

Dolson, Erik; Jagtiani, Julapa - 2021

Persistent link: https://www.econbiz.de/10012651299

Do Fintech lenders penetrate areas that are underserved by traditional banks?

Jagtiani, Julapa; Lemieux, Catharine M. - 2018

markets and in areas that have fewer bank branches per capita. We also find that the portion of LendingClub loans increases in …

Persistent link: https://www.econbiz.de/10011891828