The purpose of this study is to examine the effect of P2P lending on bank credit in each type/segment of banking credit … turned to be complementary during the pandemic, it might be due to P2P lending flexibility complementing the bank credit … the Covid-19 exogenous shock. Examining the effect of P2P lending on various types of bank loans is important because …

Technology (FinTech) Association in the last quarter of 2017 on the effect of P2P lending on rural bank lending by analyzing the … rural bank loan in 2018. However, the partnership between the Rural Bank Association and FinTech Association changed the … effect of substitution into complementary in 2019. Moreover, the impact of P2P lending was more prominent in provinces with a …

growth of bank lending for micro, small and medium enterprises (MSME) and Non-MSME debtors. Separating the scale of the … still dominated by the regions in Java, but FinTech is generally able to grow in areas with less developed local economies … Indonesia does not have a significant impact on the growth of bank loans for Non-MSME lending. However, it does have a negative …

theory of banking and the literature on digital transformation. It provides an explanation for existing trends and, by … extending the theory of the banking firm, it illustrates how financial intermediation will be impacted by innovative financial … banking and the all-digital banks. The paper contributes to an understanding of the future of banking, providing a framework …

businesses who already have access to bank credit. Firms use FinTech to obtain long-term unsecured loans and reduce their … increase leverage and substitute long-term bank debt with FinTech debt. Our findings suggest that FinTech allows firms to … preserve financial exibility, reduce their bank dependence and exposure to banking shocks. …

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 …

after replacing bank loans. Both FinTech and bank loans are found to benefit the real economy …FinTech growth raises questions about its competitive advantages vis-à-vis traditional providers, the relative risks of … FinTech products, and real economic effects. We study FinTech platform small business lending, yielding new answers that may …

We compare the performance of unsecured personal installment loans made by traditional bank lenders with that of … statistical noise. In 2013 and 2016, the largest bank lenders experienced the highest ratio of nonperformance, the highest … inherent credit risk, rather than by lending inefficiency. LendingClub’s performance was similar to small bank lenders as of …

Bank of India in collaboration with State Governments. …