Algorithmic fairness
This article reviews the recent literature on algorithmic fairness, with a particular emphasis
on credit scoring. We discuss human versus machine bias, bias measurement, group versus …
on credit scoring. We discuss human versus machine bias, bias measurement, group versus …
Nonbanks and mortgage securitization
This article reviews the dramatic growth of nonbank mortgage lending after the Global
Financial Crisis, especially to borrowers with lower credit scores, and the related importance …
Financial Crisis, especially to borrowers with lower credit scores, and the related importance …
Consumer-lending discrimination in the FinTech era
US fair-lending law prohibits lenders from making credit determinations that disparately
affect minority borrowers if those determinations are based on characteristics unrelated to …
affect minority borrowers if those determinations are based on characteristics unrelated to …
Learning from peers: Evidence from disclosure of consumer complaints
Abstract In 2013, the US Consumer Financial Protection Bureau released a database of
consumer complaints filed against banks under its supervision (“CFPB banks”). We find that …
consumer complaints filed against banks under its supervision (“CFPB banks”). We find that …
Buy now pay (pain?) later
“Buy-now-pay-later”(BNPL) is a relatively unregulated FinTech innovation that provides
consumers with easy access to credit for retail purchases. BNPL spending is projected to …
consumers with easy access to credit for retail purchases. BNPL spending is projected to …
Smart natural disaster relief: Assisting victims with artificial intelligence in lending
Natural disasters wreak economic havoc and cause financial distress for victims.
Commercial loans provided by lending firms play a key role in helping victims recover from …
Commercial loans provided by lending firms play a key role in helping victims recover from …
[PDF][PDF] Cashless payment and financial inclusion
S Ouyang - Available at SSRN 3948925, 2021 - aeaweb.org
This paper investigates how cashless payment affects credit access for the underprivileged
using Alipay, a BigTech platform that offers various financial services to over 1 billion users …
using Alipay, a BigTech platform that offers various financial services to over 1 billion users …
Lender automation and racial disparities in credit access
Process automation reduces racial disparities in credit access by enabling smaller loans,
broadening banks' geographic reach, and removing human biases from decision making …
broadening banks' geographic reach, and removing human biases from decision making …
Bank misconduct and online lending
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 …
Financial Protection Bureau (CFPB) complaint data. We employ this proxy to measure the …
How do irresponsibility attributions affect organisational reputation? Evidence from the banking industry
G Zasuwa, G Wesołowski - International Journal of Bank Marketing, 2024 - emerald.com
Purpose This study examines how potentially irresponsible banking operations affect
organisational reputation. A moderated mediation model is applied to explain how major …
organisational reputation. A moderated mediation model is applied to explain how major …