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FinTech Lending and Bank Credit Access for Consumers
16 references·16 citing·40 second hopsampled
FinTech Lending and Bank Credit Access for Consumers (2022)FinTech Lending and Bank Credit Access fo…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, regulatory arbitrage, and the rise of shadow banks (2018)Fintech, regulatory arbitrage…Trust and Credit: The Role of Appearance in Peer-to-peer Lending (2012)Trust and Credit: The Role of…Judging Borrowers by the Company They Keep: Friendship Networks and Information Asymmetry in Online Peer-to-Peer Lending (2012)Judging Borrowers by the Comp…Did Securitization Lead to Lax Screening? Evidence from Subprime Loans* (2010)Did Securitization Lead to La…Present-Biased Preferences and Credit Card Borrowing (2009)Present-Biased Preferences an…Trade Credit and Credit Rationing (1997)Trade Credit and Credit Ratio…Golden Eggs and Hyperbolic Discounting (1997)Golden Eggs and Hyperbolic Di…Sequential Sales, Learning, and Cascades (1992)Sequential Sales, Learning, a…A Simple Model of Herd Behavior (1992)A Simple Model of Herd Behavi…Who is Credit Constrained in the U. S. Economy? (1990)Who is Credit Constrained in …Financial intermediary-coalitions (1986)Financial intermediary-coalit…Financial Intermediation and Delegated Monitoring (1984)Financial Intermediation and …Informational Asymmetries, Financial Structure, and Financial Intermediation (1977)Informational Asymmetries, Fi…The Market for "Lemons": Quality Uncertainty and the Market Mechanism (1970)The Market for "Lemons": Qual…Fintech development and corporate financial policy: Evidence from corporate financing and investment (2025)Fintech development and corpo…Financial technology and climate risks in the financial market (2025)Financial technology and clim…Public data accessibility and corporate maturity mismatch: Evidence from China (2024)Public data accessibility and…Local FinTech development, industrial structure, and north-south economic disparity in China (2024)Local FinTech development, in…FinTech and consumers: a systematic review and integrative framework (2024)FinTech and consumers: a syst…BigTech, FinTech, and banks: A tangle or unity? (2024)BigTech, FinTech, and banks: …Is Fintech good for green finance? Empirical evidence from listed banks in China (2023)Is Fintech good for green fin…Interdependence between online peer‐to‐peer lending and cryptocurrency markets and its effects on financial inclusion (2023)Interdependence between onlin…How FinTech improves financial reporting quality? Evidence from earnings management (2023)How FinTech improves financia…Fintech Development and Firm Technological Innovation Efficiency: Empirical Findings in China (2023)Fintech Development and Firm …Does FinTech Constrain Corporate Misbehavior? Evidence from Research and Development Manipulation (2023)Does FinTech Constrain Corpor…Bank competition and corporate employment: Evidence from the geographic distribution of bank branches in China (2023)Bank competition and corporat…Are FinTech lending apps harmful? Evidence from user experience in the Indian market (2023)Are FinTech lending apps harm…Consumer Credit in The Age of AI – Beyond Anti-Discrimination Law (2022)Consumer Credit in The Age of…Collateral Effects: The Role of FinTech in Small Business Lending (2022)Collateral Effects: The Role …What Is Fueling FinTech Lending? The Role of Banking Market Structure (2020)What Is Fueling FinTech Lendi…The Nature of the Firm (1937)Markets and Hierarchies: Analysis and Antitrust Implications. (1976)Optimal contracts and competitive markets with costly state verification (1979)Liquidity Risk, Liquidity Creation, and Financial Fragility: A Theory of Banking (2001)Bank concentration, competition, and crises: First results (2005)Bank Liquidity Creation (2009)The arbitrage theory of capital asset pricing (1976)Moral Hazard and Observability (1979)Bank Runs, Deposit Insurance, and Liquidity (1983)The Benefits of Lending Relationships: Evidence from Small Business Data (1994)Financial Intermediation, Loanable Funds, and The Real Sector (1997)Myopia and Inconsistency in Dynamic Utility Maximization (1973)Specious reward: A behavioral theory of impulsiveness and impulse control. (1975)Anomalies in Intertemporal Choice: Evidence and an Interpretation (1992)Time Discounting and Time Preference: A Critical Review (2002)Implications of rational inattention (2003)Does Culture Affect Economic Outcomes? (2006)The General Theory of Employment, Interest and Money. (1936)Network externalities, competition, and compatibility (1985)Standardization, Compatibility, and Innovation (1985)A Unified Theory of Underreaction, Momentum Trading, and Overreaction in Asset Markets (1999)Investor Psychology and Asset Pricing (2001)Using Online Conversations to Study Word-of-Mouth Communication (2004)Herd Behavior and Investment (1988)Rational herding in financial economics (1996)An examination of herd behavior in equity markets: An international perspective (2000)Why Don’t Issuers Get Upset About Leaving Money on the Table in IPOs? (2002)Information Production and Capital Allocation: Decentralized versus Hierarchical Firms (2002)Household Finance (2006)The Strength of Weak Ties (1973)Economic Action and Social Structure: The Problem of Embeddedness (1985)Social Capital in the Creation of Human Capital (1988)Internal Social Capital and the Attraction of Early Contributions in Crowdfunding (2014)The Evolution of Cooperation (1981)Corporate financing and investment decisions when firms have information that investors do not have (1984)The Resource-Based Theory of Competitive Advantage: Implications for Strategy Formulation (1991)Fintech and banking: What do we know? (2019)Predictably Unequal? The Effects of Machine Learning on Credit Markets (2021)Initial Public Offerings and Underwriter Reputation (1990)The Economic Consequences of Legal Origins (2008)
this work references cited by second hop· second hop is a sample of the most-cited connections

References

  • 1970The Market for "Lemons": Quality Uncertainty and the Market Mechanism22,977 cited
  • 1984Financial Intermediation and Delegated Monitoring8,393 cited
  • 1992A Simple Model of Herd Behavior6,511 cited
  • 1997Golden Eggs and Hyperbolic Discounting6,117 cited
  • 1977Informational Asymmetries, Financial Structure, and Financial Intermediation3,772 cited
  • 2018Fintech, regulatory arbitrage, and the rise of shadow banks1,803 cited
  • 1986Financial intermediary-coalitions1,439 cited
  • 1992Sequential Sales, Learning, and Cascades1,301 cited
  • 2012Judging Borrowers by the Company They Keep: Friendship Networks and Information Asymmetry in Online Peer-to-Peer Lending1,299 cited
  • 2019The Role of Technology in Mortgage Lending1,180 cited
  • 2010Did Securitization Lead to Lax Screening? Evidence from Subprime Loans*1,100 cited
  • 2012Trust and Credit: The Role of Appearance in Peer-to-peer Lending1,066 cited
  • 1997Trade Credit and Credit Rationing982 cited
  • 2019On the Rise of FinTechs: Credit Scoring Using Digital Footprints913 cited
  • 1990Who is Credit Constrained in the U. S. Economy?816 cited

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2009
Present-Biased Preferences and Credit Card Borrowing
798 cited

Cited by

  • 2020What Is Fueling FinTech Lending? The Role of Banking Market Structure112 cited
  • 2023Is Fintech good for green finance? Empirical evidence from listed banks in China82 cited
  • 2023Bank competition and corporate employment: Evidence from the geographic distribution of bank branches in China80 cited
  • 2023How FinTech improves financial reporting quality? Evidence from earnings management67 cited
  • 2023Fintech Development and Firm Technological Innovation Efficiency: Empirical Findings in China58 cited
  • 2022Collateral Effects: The Role of FinTech in Small Business Lending48 cited
  • 2024Local FinTech development, industrial structure, and north-south economic disparity in China44 cited
  • 2024BigTech, FinTech, and banks: A tangle or unity?42 cited
  • 2023Interdependence between online peer‐to‐peer lending and cryptocurrency markets and its effects on financial inclusion36 cited
  • 2024FinTech and consumers: a systematic review and integrative framework36 cited
  • 2025Financial technology and climate risks in the financial market34 cited
  • 2024Public data accessibility and corporate maturity mismatch: Evidence from China33 cited
  • 2023Does FinTech Constrain Corporate Misbehavior? Evidence from Research and Development Manipulation30 cited
  • 2022Consumer Credit in The Age of AI – Beyond Anti-Discrimination Law26 cited
  • 2023Are FinTech lending apps harmful? Evidence from user experience in the Indian market23 cited
  • 2025Fintech development and corporate financial policy: Evidence from corporate financing and investment18 cited