competition between traditional banks and challenger fintech entrants. We study lending market competition when sharing banks …

This paper presents a spatial model to analyze the effects of the entry of Fintech lenders on credit market competition …. Increased competition from Fintech entrants erodes banks' profitability. Contrary to the standard view, Fintech entry could hurt …

This paper studies bank competition with borrower adverse selection. In the model, expected non-performing loan costs … are high when credit is granted in booms, when risk free rates are low, or when competition is strong. I prove that full … competition is suboptimal due to this last effect; that more competition improves the transmission of monetary policy, and that …

Does the recent proliferation of technology in lending process have an impact on business loan market competition … competition between two ex-ante symmetric lenders. Lenders use screening technology and collateral requirements to mitigate … competition and restrict the supply of credit through an endogenous segmentation of markets with different maturities. As …

of checking accounts. We solve a competition model of banking and credit which includes client naivety, heterogeneous …

competition and a lower risk-free rate raise the screening costs of lending, which can result in pooling Nash equilibria with … empirical results on the relationship between bank competition and financial stability. The model can be used to define a …