SUMMARY Pablo Zbinden?> We consider the drivers and implications of the growth of
'BigTech'in finance–ie the financial services offerings of technology companies with …

Fintech has been playing an increasing role in shaping financial and banking landscapes. In
this paper, we use account-level data from LendingClub and Y-14M data reported by US …

There have been concerns about the use of alternative data sources by fintech lenders. We
compare loans made by LendingClub and similar loans that were originated by banks. The …

We introduce a high quality proxy for bank misconduct that is constructed from Consumer
Financial Protection Bureau (CFPB) complaint data. We employ this proxy to measure the …

This study constructs an empirical model to investigate the impact of the financial technology
index (FinTech index) on the interest rate spreads of FinTech lending. 1,201,658 …

Purpose The purpose of the study is to examine the use of alternative information in bank
lending to small and medium enterprises (SMEs). Understanding alternative information and …

This study investigates the effect of both conventional and unconventional monetary policies
on loan default of UK personal and business peer‐to‐peer (P2P) loans. I employ loan book …

The emergence of a decentralized peer‐to‐peer (P2P) platform that matches lending and
borrowing without collateral requirement could have weakened the bank lending and …

This paper uses loan application-level data from a peer-to-peer lending platform to study the
risk-taking channel of monetary policy. By employing a direct ex-ante measure of risk-taking …

The 21st-century economy is increasingly built around data. Firms and individuals upload
and store enormous amount of data. Most of the produced data is stored on private servers …