-called Fintech phenomenon refers to startups that use the latest technologies to offer innovative financial services. Within the … Control with the Intention to Use and Behavioral Use of the Fintech services by companies. Partial Least Squares Structural … models and confirm their robustness in predicting companies' intention and use of Fintech services. Financial technology …

globally due to high information costs. Recent fintech developments may be able to mitigate this problem. By leveraging big … fintech approach to assessing credit risk using big data and machine learning models with the bank approach using traditional … financial data and scorecard models. The study shows that the fintech approach yields better prediction of loan defaults during …

We examine the effects of FinTech lending on firm policies using proprietary data on loan applications and loans … granted from a peer-to-business platform. We find that FinTech serves high-quality and creditworthy small businesses who … already have access to bank credit. Firms access FinTech to obtain long-term unsecured loans and reduce their exposure to …

FinTech is said to have promising effects. The consideration that arises is whether this new form is a special kind of … social structures. Thus, the question arises whether FinTech can be characterized as general-purpose technology (GPT)? This … is followed by the second question: What is the impact of FinTech at the aggregate level and as a potential GPT on …

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 …