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Open Banking as a Catalyst for Industry Transformation : Lessons learned from Implementing PSD2 in Europe

Ozcan, Pinar; Zachariadis, Markos - 2022

This study, which follows from our initial assessment of the API economy in banking (Zachariadis and Ozcan, 2017), explores the changes that incumbents and new entrants experienced in the banking sector following the announcement and implementation of open banking and PSD2 in the UK and EU

Persistent link: https://www.econbiz.de/10014244750

Tacit Collusion among Dominant Banks : Evidence from Round-Yard Loan Pricing

Chan, Yu-Ju; Lin, Chih-Yung; Lin, Tse-Chun - 2022

While there is no apparent reason for loan spreads to cluster at certain numbers, we find that around 70% of bank loans …

Persistent link: https://www.econbiz.de/10014244769

Hong Kong Association of Banks Alternative Means of Payments of Funds Under Payment Arrangements for Property Transactions (‘PAPT’) : Possible Concerns from Banks and Clients

Law, Sau Wai; Mak, Charles Ho Wang - 2022

Hong Kong Association of Banks, the DTC Association and the Hong Kong S.A.R. Licensed Money Lenders Association have been working on the provision of an alternative means of payments of funds under Payment Arrangements for Property Transactions, which aimed to enhance customer protection by...

Persistent link: https://www.econbiz.de/10014244784

Liquidity Transformation and Fragility in the US Banking Sector

Chen, Qi; Goldstein, Itay; Huang, Zeqiong; Vashishtha, Rahul - 2022

sensitivity of uninsured deposit flows to bank performance and greater levels of uninsured deposit outflows when performance is …

Persistent link: https://www.econbiz.de/10014244800

Big Techs vs Banks

Parigi, Bruno Maria; Gambacorta, Leonardo; Khalil, Fahad - 2022

. We focus on the trade-o⁄ between privacy and e¢ ciency in the interaction between big tech and bank lending. Big techs … more e¢ cient use of client-risk information curtailing strategic defaults in an environment with limited enforcement. Bank … intermediate-risk types and eliminate ine¢ cient defaults, where the safest rms prefer to enjoy information rent on a bank loan …

Persistent link: https://www.econbiz.de/10014244823

Banks, Maturity Transformation, and Monetary Policy

Paul, Pascal - 2022

over the last decades. On monetary policy announcement days, bank equity falls more sharply than nonbank equity following … are reflected in bank cash-flows and amplified for banks with a larger maturity mismatch. The results reveal that banks …

Persistent link: https://www.econbiz.de/10014244828

The Resilience of African Banks in the COVID-19 Crisis : A Study on the Macroprudential Stress Test of Banks in the WAEMU Zone

BA, Babo Amadou - 2022

In this article, we have implemented a macroprudential “stress-test” (Top-down) of credit risk at the level of banks in the WAEMU zone. Empirically, we performed a simulation on three macroeconomic scenarios using the Vector Auto Regressive (VAR) model. Our historical scenarios refer to the...

Persistent link: https://www.econbiz.de/10014244861

The Determinants and Informativeness of Banks’ Return on Tangible Common Equity Disclosures

Campbell, John L.; López-Vilaró, Joe; Shakespeare, … - 2022

(i.e., attention from bank regulators, factors that impair the usefulness of GAAP ROE) rather than opportunism. However …

Persistent link: https://www.econbiz.de/10014245017

Banks' patenting as an answer to emerging fintech and bigtech competition : a cross-country empirical study

Kowalewski, Oskar; Pisany, Paweł - In: Fintech, pandemic, and the financial system : …, (pp. 13-36). 2023

Persistent link: https://www.econbiz.de/10014245151

Information asymmetry between banks, rent extraction, and switching in mortgage lending

Reite, Endre J. - In: Finance research letters 50 (2022), pp. 1-6

Persistent link: https://www.econbiz.de/10014245360