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Fintech and Bank competition : The role of screening technology and collateral requirements

Serfes, Konstantinos - 2022

Using a theoretical model that assumes heterogeneity in lenders' screening ability and in borrowers' investment horizon, we show that fintech loans to entrepreneurs are more likely to be unsecured and short-term while bank loans are expected to be asset-backed and long-term. The findings suggest...

Persistent link: https://www.econbiz.de/10013294499

Fintech Entry and Credit Market Competition

Chu, Yinxiao; Wei, Jianxing - 2021

This paper presents a spatial model to analyze the effects of the entry of Fintech lenders on credit market competition …. Increased competition from Fintech entrants erodes banks' profitability. Contrary to the standard view, Fintech entry could hurt …

Persistent link: https://www.econbiz.de/10013230950

Fintech vs. Bank : The Impact of Lending Technology on Credit Market Competition

Serfes, Konstantinos; Wu, Kejia; Avramidis, Panagiotis - 2023

Does the recent proliferation of technology in lending process have an impact on business loan market competition … competition between two ex-ante symmetric lenders. Lenders use screening technology and collateral requirements to mitigate … competition and restrict the supply of credit through an endogenous segmentation of markets with different maturities. As …

Persistent link: https://www.econbiz.de/10014352755

FinTech and competition regulatory concerns in the EU banking business framework

Gimigliano, Gabriella - In: Commercial Banking in Transition : A Cross-Country Analysis, (pp. 39-57). 2024

Persistent link: https://www.econbiz.de/10014473399

Enforcing Fintech competition : some reflections on institutional design

Franck, Jens-Uwe - In: Fintech competition : law, policy, and market organisation, (pp. 281-305). 2023

Persistent link: https://www.econbiz.de/10014451536

FinTech and financial stability : threat or opportunity?

Siti Nurazira Mohd Daud; Ahmad, Abd Halim; Airil Khalid; … - In: Finance research letters 47 (2022) 2, pp. 1-7

Persistent link: https://www.econbiz.de/10013553620

Wide or narrow? : competition and scope in financial intermediation

Robles-Garcia, Claudia; Benetton, Matteo; Buchak, Greg - 2022

Persistent link: https://www.econbiz.de/10013285943

Methodological issues of modern competition policy

Rozanova, N. M. - In: Studies on Russian economic development 32 (2021) 5, pp. 492-498

Persistent link: https://www.econbiz.de/10012661228

The effect of outsourcing pricing algorithms on market competition

Harrington, Joseph Emmett - In: Management science : journal of the Institute for … 68 (2022) 9, pp. 6889-6906

Persistent link: https://www.econbiz.de/10013373132

Trade liberalization and competition levels

Chen, Pu; Liu, Dingming - In: The B.E. journal of theoretical economics 15 (2015) 1, pp. 25-47

Persistent link: https://www.econbiz.de/10010468569