short run, FinTech competition induces negative deposit demand shocks and crowds out bank deposits. In response, banks more … transmission, with a focus on the competition between FinTech companies and banks in the deposit market. Using proprietary data … exposed to Fintech competition do not cut their lending, but reduce liquid assets and financial investments and issue more …

There has been a great deal of interest recently in understanding the potential role of fintech firms in expanding … credit access to the underbanked and credit-constrained consumers. We explore the supply side of fintech credit, focusing on … unsecured personal loans and mortgage loans. We investigate whether fintech firms are more likely than other lenders to reach …

In the context of developing FinTech innovation, a commercial bank's use of FinTech innovation can improve its risk … management capability, thereby reducing its risk-taking. This paper explores the impact and mechanism of a bank's FinTech …-level index based on web crawler technology and obtain the annual numbers of news items about a bank's FinTech innovation from …

We analyze the relationship between bank size and risk-taking under the New Basel Capital Accord. Using a model with … imperfect competition and moral hazard, we show that the introduction of an internal ratings based (IRB) approach improves upon … a competitive advantage and, due to fiercer competition, pushes smaller banks to take higher risks. This may even lead …

of the traditional bank business model. Specialized providers of financial services can chip away activities that do not …

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 their own borrowers. Lenders that do not share initially lose borrowers to …

data indicate that bank failures in a county are associated with a reduction in debt and rewards crowdfunding, and total … crowdfunding (including donations and rewards as well, however, bank failures are statistically unrelated to those types of … crowdfunding in our empirical setting). The data are consistent with bank failures being associated with a reduction in the …

are challenged by unregulated FinTech and BigTech firms, possibly threatening systemic financial stability. Globalization …