Narrow search
Showing 1 - 10 of 146,566
Cover Image
Reducing The Wealth Gap Through Fintech 'Advances' in Consumer Banking and Lending
Foohey, Pamela - 2020
Research shows that Black, Latinx, and other minorities pay more for credit and banking services, and that wealth accumulation differs starkly between their households and white households. The link between debt inequality and the wealth gap, however, remains less thoroughly explored,...
Persistent link: https://www.econbiz.de/10012839898
Cover Image
Does FinTech change the market power of traditional banks in China?
Qi, Hanying; Yang, Keng; Wang, Weijia - In: Journal of business economics and management 23 (2022) 5, pp. 1060-1083
This study assesses the impact of the development of financial technology (FinTech) on the market power of traditional banks. We analyze the relationship between FinTech companies and traditional banks based on the barriers-to-entry theory, and verify the resulting hypothesis by using panel data...
Persistent link: https://www.econbiz.de/10013500607
Cover Image
The real effects of FinTech lending on SMEs : evidence from loan applications
Eça, Afonso; Ferreira, Miguel A.; Prado, Melissa Porras; … - 2022
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. …
Persistent link: https://www.econbiz.de/10012818733
Cover Image
Banks’ consumer lending reaction to fintech and bigtech credit emergence in the context of soft versus hard credit information processing
Kowalewski, Oskar; Pisany, Paweł - 2021
We analyze competition in the consumer lending segment between banks and financial technology (or “fintech”) companies (or “fintechs”) as well as giant technology (or “bigtech”) companies (or “bigtechs”) providing alternative credit. We use a database combining banklevel...
Persistent link: https://www.econbiz.de/10013210905
Cover Image
What is Fueling FinTech Lending? The Role of Banking Market Structure
Balyuk, Tetyana - 2020
after replacing bank loans. Both FinTech and bank loans are found to benefit the real economy …
Persistent link: https://www.econbiz.de/10012830316
Cover Image
Impact of fintech on bank risk-taking : evidence from China
Deng, Liurui; Lv, Yongbin; Liu, Ye; Zhao, Yiwen - In: Risks : open access journal 9 (2021) 5, pp. 1-27
This article focuses on the relationship between Fintech and bank risk-taking behavior. Since Robo-Advisor is one of … medium-sized banks from 2011 to 2016. We found that the development of Fintech has significantly reduced bank risk …-taking level. This result is still valid after the robustness test of replacing the bank's risk-taking index and replacing the …
Persistent link: https://www.econbiz.de/10012597095
Cover Image
Curbing credit corruption in China : the role of FinTech
Su, Fan; Xu, Chao - In: Journal of innovation & knowledge : JIK 8 (2023) 1, pp. 1-14
FinTech is an emerging financial innovation model that promotes a "technological anti-corruption" effect. Credit corruption is a worldwide problem; however, previous studies have not focused on the anti-corruption effect of FinTech. This study first uses micro data from FinTech companies to...
Persistent link: https://www.econbiz.de/10014372086
Cover Image
Peer-to-Peer lending platform : from substitution to complementary for rural banks
Suhardianto, Novrys; Tjahjadi, Bambang - In: Verslas : teorija ir praktika : Vilniaus Gedimino … 21 (2020) 2, pp. 713-722
This study aims to examine the impact of the growth of peer-to-peer (P2P) lending on the growth of rural bank lending …. Further, this study investigates the outcome of the partnership agreement between the Rural Bank Association and Financial … Technology (FinTech) Association in the last quarter of 2017 on the effect of P2P lending on rural bank lending by analyzing the …
Persistent link: https://www.econbiz.de/10012502470
Cover Image
Does FinTech substitute for banks? : evidence from the Paycheck Protection Program
Erel, Isil; Liebersohn, Jack - 2020
Paycheck Protection Program (PPP). We find that FinTech is disproportionately used in ZIP codes with fewer bank branches, lower …
Persistent link: https://www.econbiz.de/10012244555
Cover Image
Applications or approvals : what drives racial disparities in the Paycheck Protection Program?
Chernenko, Sergey; Kaplan, Nathan; Sarkar, Asani; … - 2023
, and the bank approval disparity is also larger in more racially biased counties. We conclude that insofar as automation by …
Persistent link: https://www.econbiz.de/10014283621