Doerr, Sebastian; Gambacorta, Leonardo; Guiso, Luigi; … - 2023
control over their data, affects fintech lending. To develop hypotheses we build a parsimonious screening model. Consumers … apply for loans with banks and a fintech that has a superior but data-intensive screening technology. However, consumers … dislike sharing their data, and in particular with the fintech. We empirically show that the introduction of the CCPA, by …