In this article, we review the growing literature on financial technology (FinTech) lending—
the provision of credit facilitated by technology that improves the customer–lender …

Seit Erscheinen der vorigen Auflage ist die Flut an neuen Regulierungsvorschriften nicht
zum Stillstand gekommen. Die Regelungsinhalte sollen nach wie vor zahlreiche Defizite, die …

We analyze the information content of a digital footprint—that is, information that users leave
online simply by accessing or registering on a Web site—for predicting consumer default …

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 …

This review discusses the history of narrow banks, reform proposals involving narrow banks,
and theory and empirical evidence regarding whether narrow banks should play a more …

We examine the effect of competition on banking stability using a new measure of
competition based on the reallocation of profits from inefficient banks to efficient ones. In a …

This paper develops a model to incorporate the impact of financial inclusion to study the
implications of issuing a CBDC. In a “two-tier” model where banks distribute CBDC, CBDCs …

Using a novel dataset that records individual debt issues on the balance sheets of public
firms, we demonstrate that traditional capital structure studies that ignore debt heterogeneity …

Under the current paradigm in small business lending research, large banks tend to
specialize in lending to relatively large, informationally transparent firms using “hard” …

This book provides a compendium to the empirical work investigating the hypotheses
generated by recent banking theory. Such a compendium is overdue. Since the publication …