. Importantly, we are able to assign at least half of this acceleration to the adoption of credit scoring technologies by the …

We show that FinTech lending affects credit markets and real economic activity using a unique data set of a Peer … businesses who already have access to bank credit. Firms use FinTech to obtain long-term unsecured loans and reduce their …

already have access to bank credit. Firms access FinTech to obtain long-term unsecured loans and reduce their exposure to …

We show that FinTech lending affects credit markets and real economic activity using a unique data set of a Peer … businesses who already have access to bank credit. Firms use FinTech to obtain long-term unsecured loans and reduce their …

already have access to bank credit. Firms access FinTech to obtain long-term unsecured loans and reduce their exposure to …

margin. This study contributes valuable insights into the efficacy of public credit support programs during crises …

availability of credit to small businesses which has been further fueled by empirical studies that partly confirm a reduction in …

on financial stability and the real economy. We investigate the cyclicality of SME lending by local banks with vs … credit demand-side factors. The public mandate is set by local governments and stipulates a deviation from strict profit … percent less cyclical than other local banks. The result is credit supply-side driven and especially strong for savings banks …