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Banks' consumer lending reaction to fintech and bigtech credit emergence in the context of soft versus hard credit information processing
16 references·12 citing·38 second hop
Banks' consumer lending reaction to fintech and bigtech credit emergence in the context of soft versus hard credit information processing (2022)Banks' consumer lending reaction to finte…The Role of Technology in Mortgage Lending (2019)The Role of Technology in Mor…On the Rise of FinTechs: Credit Scoring Using Digital Footprints (2019)On the Rise of FinTechs: Cred…Fintech and banking: What do we know? (2019)Fintech and banking: What do …BigTech and the changing structure of financial intermediation (2019)BigTech and the changing stru…The emergence of the global fintech market: economic and technological determinants (2018)The emergence of the global f…Peer-to-Peer Lenders Versus Banks: Substitutes or Complements? (2018)Peer-to-Peer Lenders Versus B…Information: Hard and Soft (2018)Information: Hard and SoftFintech, regulatory arbitrage, and the rise of shadow banks (2018)Fintech, regulatory arbitrage…Screening Peers Softly: Inferring the Quality of Small Borrowers (2015)Screening Peers Softly: Infer…A more complete conceptual framework for SME finance (2006)A more complete conceptual fr…Information Production and Capital Allocation: Decentralized versus Hierarchical Firms (2002)Information Production and Ca…Government Ownership of Banks (2002)Government Ownership of BanksThe ability of banks to lend to informationally opaque small businesses (2001)The ability of banks to lend …Can Relationship Banking Survive Competition? (2000)Can Relationship Banking Surv…Formal and Real Authority in Organizations (1997)Formal and Real Authority in …Financial System Architecture (1997)Financial System ArchitectureCan Banking Intermediates Crowd Out Their High‐Tech Promising Successors? A Financial Stress Perspective (2026)Can Banking Intermediates Cro…FinTech entrepreneurial ecosystem in India: Role of incubators and accelerators (2024)FinTech entrepreneurial ecosy…Does FinTech credit affect firms’ cost of capital and capital structure? (2024)Does FinTech credit affect fi…Does big data infrastructure development facilitate bank fintech innovation? Evidence from China (2024)Does big data infrastructure …Digital loans and buy now pay later from LendTech versus bank loans in the era of ‘black swans’: Complementarity in the area of consumer financing (2024)Digital loans and buy now pay…Digital banking: how social media is shaping the game (2024)Digital banking: how social m…The role of the Lendtech sector in the consumer credit market in the context of household financial exclusion (2023)The role of the Lendtech sect…Does alternative digital lending affect bank performance? Cross-country and bank-level evidence (2023)Does alternative digital lend…Determinants of FinTech and BigTech lending: the role of financial inclusion and financial development (2023)Determinants of FinTech and B…Can Fintech Alleviate the Financing Constraints of Enterprises?—Evidence from the Chinese Securities Market (2023)Can Fintech Alleviate the Fin…Fintech credit, credit information sharing and bank stability: some international evidence (2022)Fintech credit, credit inform…Digital Disruptors at the Gate. Does FinTech Lending Affect Bank Market Power and Stability? (2022)Digital Disruptors at the Gat…Finance and Growth: Schumpeter Might Be Right (1993)The Benefits of Lending Relationships: Evidence from Small Business Data (1994)Law and Finance (1998)Access to Financial Services: A Review of the Issues and Public Policy Objectives (2006)Bank ownership and efficiency in China: What will happen in the world’s largest nation? (2007)Financial Intermediation and Delegated Monitoring (1984)Insiders and Outsiders: The Choice between Informed and Arm's-Length Debt (1992)Information and bank credit allocation (2003)Bank Concentration and Competition: An Evolution in the Making (2004)Distance Constraints: The Limits of Foreign Lending in Poor Economies (2006)Markets and Hierarchies: Analysis and Antitrust Implications. (1976)The Costs and Benefits of Ownership: A Theory of Vertical and Lateral Integration (1986)Property Rights and the Nature of the Firm (1990)Inequality and Economic Growth: The Perspective of the New Growth Theories (1999)Intrinsic and Extrinsic Motivation (2003)Does function follow organizational form? Evidence from the lending practices of large and small banks (2005)Bank Runs, Deposit Insurance, and Liquidity (1983)The Theory of Industrial Organization (1988)Distance, Lending Relationships, and Competition (2005)Information Asymmetry and Financing Arrangements: Evidence from Syndicated Loans (2007)How does capital affect bank performance during financial crises? (2013)Household Finance (2006)Judging Borrowers by the Company They Keep: Friendship Networks and Information Asymmetry in Online Peer-to-Peer Lending (2012)The Evolution of Fintech: A New Post-Crisis Paradigm? (2015)Riding the FinTech innovation wave: FinTech, patents and bank performance (2021)The impact of fintech innovation on green growth in China: Mediating effect of green finance (2021)The impact of the FinTech revolution on the future of banking: Opportunities and risks (2022)How Valuable Is FinTech Innovation? (2018)Can fintech improve the efficiency of commercial banks? —An analysis based on big data (2020)Fintech: what’s old, what’s new? (2020)Legal Determinants of External Finance (1997)Corporate Ownership Around the World (1999)Bank regulation and supervision: what works best? (2003)The Economic Consequences of Legal Origins (2008)Discretionary disclosure (1983)Firms, Contracts, and Financial Structure (1995)Does Distance Still Matter? The Information Revolution in Small Business Lending (2002)Predictably Unequal? The Effects of Machine Learning on Credit Markets (2021)
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References

  • 1997Formal and Real Authority in Organizations3,119 cited
  • 2002Government Ownership of Banks2,517 cited
  • 2002Information Production and Capital Allocation: Decentralized versus Hierarchical Firms2,426 cited
  • 2006A more complete conceptual framework for SME finance2,011 cited
  • 2018Fintech, regulatory arbitrage, and the rise of shadow banks1,803 cited
  • 2000Can Relationship Banking Survive Competition?1,575 cited
  • 2019Fintech and banking: What do we know?1,208 cited
  • 2019The Role of Technology in Mortgage Lending1,180 cited
  • 2001The ability of banks to lend to informationally opaque small businesses977 cited
  • 2019On the Rise of FinTechs: Credit Scoring Using Digital Footprints913 cited
  • 2018Information: Hard and Soft787 cited
  • 2018The emergence of the global fintech market: economic and technological determinants753 cited
  • 2018Peer-to-Peer Lenders Versus Banks: Substitutes or Complements?665 cited
  • 2015Screening Peers Softly: Inferring the Quality of Small Borrowers623 cited
  • 1997Financial System Architecture609 cited
  • 2019BigTech and the changing structure of financial intermediation

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596 cited

Cited by

  • 2022Digital Disruptors at the Gate. Does FinTech Lending Affect Bank Market Power and Stability?50 cited
  • 2023Determinants of FinTech and BigTech lending: the role of financial inclusion and financial development43 cited
  • 2023Does alternative digital lending affect bank performance? Cross-country and bank-level evidence38 cited
  • 2026Can Banking Intermediates Crowd Out Their High‐Tech Promising Successors? A Financial Stress Perspective37 cited
  • 2023Can Fintech Alleviate the Financing Constraints of Enterprises?—Evidence from the Chinese Securities Market36 cited
  • 2024FinTech entrepreneurial ecosystem in India: Role of incubators and accelerators28 cited
  • 2022Fintech credit, credit information sharing and bank stability: some international evidence27 cited
  • 2024Does big data infrastructure development facilitate bank fintech innovation? Evidence from China26 cited
  • 2024Digital loans and buy now pay later from LendTech versus bank loans in the era of ‘black swans’: Complementarity in the area of consumer financing22 cited
  • 2024Digital banking: how social media is shaping the game21 cited
  • 2024Does FinTech credit affect firms’ cost of capital and capital structure?20 cited
  • 2023The role of the Lendtech sector in the consumer credit market in the context of household financial exclusion17 cited