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This paper examines the effectiveness of the bank lending channel in a dual banking system in Malaysia, where both … conventional and Islamic banks operate alongside each other. It also investigates the impact of bank competition on lending … ineffectiveness of the bank lending channel. Further, the empirical results suggest that the impact of monetary policy on bank lending …
Persistent link: https://www.econbiz.de/10012176543
Using a randomized experiment in the auto lending industry, we provide causal evidence of higher loan profitability and lower default rates with algorithmic machine underwriting, relative to human underwriting. We find that machine-underwritten loans generate 10.2% higher profit than...
Persistent link: https://www.econbiz.de/10012263223
rates compared to traditional banks. Once they borrow from P2Ps, they find a lower rate on subsequent bank loans, indicating … do the same. Welfare gains range from 10% of the local output in municipalities with only one incumbent bank to 1% in …
Persistent link: https://www.econbiz.de/10014236186
already have access to bank credit. Firms access FinTech to obtain long-term unsecured loans and reduce their exposure to … obtaining a FinTech loan. Our findings suggest that FinTech allows firms to improve their financial flexibility and reduce bank …
Persistent link: https://www.econbiz.de/10014238723
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 flexibility, reduce their bank dependence and exposure to banking shocks …
Persistent link: https://www.econbiz.de/10013302730
already have access to bank credit. Firms access FinTech to obtain long-term unsecured loans and reduce their exposure to … obtaining a FinTech loan. Our findings suggest that FinTech allows firms to improve their financial flexibility and reduce bank …
Persistent link: https://www.econbiz.de/10013492241
In the developing world, vulnerable communities often lack access to regular income sources to cope with unforeseen events. Recent advancements in financial technology have enabled microcredit to be delivered via digital platforms. Although digital credit may quicken remote access to consumer...
Persistent link: https://www.econbiz.de/10014364140
growth of bank lending for micro, small and medium enterprises (MSME) and Non-MSME debtors. Separating the scale of the … Indonesia does not have a significant impact on the growth of bank loans for Non-MSME lending. However, it does have a negative … impact on the growth of bank loans for MSME lending. This is in line with the entrant's disruptive trajectory process by …
Persistent link: https://www.econbiz.de/10012221924
The purpose of this study is to examine the effect of P2P lending on bank credit in each type/segment of banking credit … the Covid-19 exogenous shock. Examining the effect of P2P lending on various types of bank loans is important because … there is no conclusive evidence of whether P2P lending substitutes or complements various conventional bank loans. The Covid …
Persistent link: https://www.econbiz.de/10015046034
This paper provides both theoretical and empirical analyses of the differences between BigTech lenders and traditional banks in response to monetary policy changes. Our model integrates Knightian uncertainty into portfolio selection and posits that BigTech lenders possess a diminishing...
Persistent link: https://www.econbiz.de/10014517651