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Default or profit scoring credit systems? : evidence from European and US peer-to-peer lending markets

Lyócsa, Štefan; Vašaničová, Petra; Hadji Misheva, … - In: Financial innovation : FIN 8 (2022), pp. 1-21

more loans. Finally, even if we consider data sampling bias, we found that the set of superior models consists almost …

Persistent link: https://www.econbiz.de/10013272707

How voluntary information sharing systems form : evidence from a U.S. commercial credit bureau

Liberti, José; Sturgess, Jason; Sutherland, Andrew - 2021

We use the introduction of a U.S. commercial credit bureau to study when lenders adopt voluntary information sharing technology and the resulting consequences for competition and credit access. Our results suggest that lenders trade off access to new markets against heightened competition for...

Persistent link: https://www.econbiz.de/10012608664

Technology is changing lending : implications for research

Sutherland, Andrew - In: Journal of accounting & economics 70 (2020) 2/3, pp. 1-9

Persistent link: https://www.econbiz.de/10012494849

Distant lending, specialization, and access to credit

Di, Wenhua; Pattison, Nathaniel - 2019

Small business lending has historically been very local, but distances between small businesses and their lenders have steadily increased over the last forty years. This paper investigates a new lending strategy made possible by distant small business lending: industry specialization. Using data...

Persistent link: https://www.econbiz.de/10012230524

Fintech lending and mortgage credit access

Jagtiani, Julapa; Lambie-Hanson, Lauren; Lambie-Hanson, … - 2019

Persistent link: https://www.econbiz.de/10012197796

The predicting power of soft information on defaults in the Chinese P2P lending market

Wang, Yao; Drábek, Zdeněk; Wang, Zhengwei - 2018

importance of soft information in the Fintech companies' credit analysis. Using a unique data of the Chinese P2P lending platform …

Persistent link: https://www.econbiz.de/10011896396

Banks' consumer lending reaction to fintech and bigtech credit emergence in the context of soft versus hard credit information processing

Kowalewski, Oskar; Pisany, Paweł - In: International review of financial analysis 81 (2022), pp. 1-15

Persistent link: https://www.econbiz.de/10013396327

The role of social and psychological related soft information in credit analysis : evidence from a Fintech Company

Wang, Yao; Drábek, Zdeněk; Wang, Zhengwei - In: Journal of behavioral and experimental economics 96 (2022), pp. 1-19

Persistent link: https://www.econbiz.de/10013397902

How voluntary information sharing systems form : evidence from a US commercial credit bureau

Liberti, José; Sturgess, Jason; Sutherland, Andrew - In: Journal of financial economics 145 (2022) 3, pp. 827-849

Persistent link: https://www.econbiz.de/10013475439

Fintech credit, credit information sharing and bank stability : some international evidence

Nguyen Thanh Liem; Tran Hung Son; Ho, Tin H.; Nguyen … - In: Cogent business & management 9 (2022) 1, pp. 1-18

This study relies on an aggregate dataset of 73 countries from 2013 to 2018 to investigate the nexus between fintech … that fintech credit tends to improve bank stability. This suggests that as fintech credit grows, it certainly competes with … found that the impact of fintech credit on bank stability may depend on credit information sharing. Specifically, the …

Persistent link: https://www.econbiz.de/10014436289