present paper discusses relevant issues pertaining to the regulation of FinTech, using financial-return crowdfunding (FR …-crowdfunding) as case study and model, deriving from its FinTech, shadow banking and collaborative economy natures, important …

In the distribution of the Paycheck Protection Program’s (PPP) $780 billion in funds, FinTech lenders began minimally … with five additional measures and extensive supporting analysis. FinTech loans exhibit sharp and discontinuous increases in … misreporting at maximum loan thresholds and at round loan amounts. FinTech loans are more than 3.5 times as likely to be initiated …

As FinTech promises to increase competition for both banks and investment firms, we consider the market failures that … former, the crucial regulatory trade-off is between efficiency gains from innovation and regulatory arbitrage. For the latter …

Previous studies researching the impact of fintech on mortgage lending have focused primarily on comparing fintech … lenders to traditional bank lenders. We examine how bank lenders have responded to the growth of fintech lending, both as a …, fintech reduces total lending of traditional banks, the brunt of which is carried by small banks. This effect is greater for …

We analyze competition in the consumer lending segment between banks and financial technology (or “fintech”) companies … in developed markets, the relations between fintech/bigtech credit providers and banks are similar and competitive in … nature. However, banks’ consumer lending grows simultaneously with fintech credit market development in emerging economies …

Fintech payment companies acting as lenders possess a potential solution to weak debt enforcement. Their location in … through a fintech company offering such sales-linked loans suggests that some borrowers discontinuously reduce sales processed …

. Highlighting the importance of technological innovation, we find evidence suggesting that fintech shadow banks investing heavily in …Contrary to common perceptions, we find that fintech shadow banks do not possess technological advantages over … the past decade. Consequently, although fintech shadow banks could charge a higher rate than traditional banks without …

We examine the importance of perceived data security risk for FinTech use in the US residential mortgage market. We … find areas that experience a local data breach reduce FinTech refinancing application volume by 1.4%. These effects are … FinTech demand, and that breaches have negative spillover effects on FinTech service providers …