The purpose of this paper is to develop an insight and review the effect of FinTech
development against the broader environment in financial technology. We further aim to …

This study reviews the literature of online peer-to-peer (P2P) lending from 2008 until 2020
as an emergent but fast spreading phenomenon in the context of digital finance. Previous …

This paper studies whether, in the consumer credit market, peer-to-peer (P2P) lending
platforms serve as substitutes for banks or instead as complements. I develop a conceptual …

The intersection of finance and technology, known as fintech, has resulted in the dramatic
growth of innovations and has changed the entire financial landscape. While fintech has a …

We study the personal credit market using unique individual-level data covering fintech and
traditional lenders. We show that fintech lenders acquire market share by lending first to …

Marketplace lending relies on screening and information production by investors, a major
deviation from the traditional banking paradigm. Theoretically, the participation of …

Purpose This paper aims to provide an in-depth examination of the emergent state of
financial technology (fintech), particularly emphasizing capital-raising innovations and their …

We exploit anonymized administrative data provided by a major fintech platform to
investigate whether using alternative data to assess borrowers' creditworthiness results in …

Purpose This paper reviews recent advances in the empirical literature of FinTech and
household finance. Design/methodology/approach We survey the effects of FinTech on …

Financial innovation in the form of new delivery channels, products, and providers has
helped push out the frontier of access to finance and thus increase the bankable and …