Cooperative financial institutions: A review of the literature
Financial cooperatives play an important role in the financial systems of many countries.
They act as a safe haven for deposits and are major sources of credit for households and …
They act as a safe haven for deposits and are major sources of credit for households and …
[HTML][HTML] The impact of the FinTech revolution on the future of banking: Opportunities and risks
The financial technologies (FinTech) revolution is in full swing globally. In this paper, we
review the burgeoning literature on FinTech and FinTech-enabled services, focusing on the …
review the burgeoning literature on FinTech and FinTech-enabled services, focusing on the …
Peer-to-peer crowdfunding: Information and the potential for disruption in consumer lending
A Morse - Annual Review of Financial Economics, 2015 - annualreviews.org
Can peer-to-peer lending (P2P) disintermediate and mitigate information frictions in lending
so that choices and outcomes for at least some borrowers and investors are improved? I …
so that choices and outcomes for at least some borrowers and investors are improved? I …
The role of technology in mortgage lending
Abstract Technology-based (“FinTech”) lenders increased their market share of US
mortgage lending from 2% to 8% from 2010 to 2016. Using loan-level data on mortgage …
mortgage lending from 2% to 8% from 2010 to 2016. Using loan-level data on mortgage …
Fintech: what's old, what's new?
We study the effects of technological change on financial intermediation, distinguishing
between innovations in information (data collection and processing) and communication …
between innovations in information (data collection and processing) and communication …
Bank liquidity provision across the firm size distribution
We use supervisory loan-level data to document that small firms (SMEs) obtain shorter
maturity credit lines than large firms, post more collateral, have higher utilization rates, and …
maturity credit lines than large firms, post more collateral, have higher utilization rates, and …
Information: Hard and soft
Abstract Information, which can arrive in multiple forms, is a fundamental component of all
financial transactions and markets. We define hard and soft information and describe the …
financial transactions and markets. We define hard and soft information and describe the …
Small business credit availability and relationship lending: The importance of bank organisational structure
AN Berger, GF Udell - The economic journal, 2002 - academic.oup.com
This paper models the inner workings of relationship lending, the implications for bank
organisational structure, and the effects of shocks to the economic environment on the …
organisational structure, and the effects of shocks to the economic environment on the …
How does capital affect bank performance during financial crises?
This paper empirically examines how capital affects a bank's performance (survival and
market share) and how this effect varies across banking crises, market crises, and normal …
market share) and how this effect varies across banking crises, market crises, and normal …
A more complete conceptual framework for SME finance
AN Berger, GF Udell - Journal of Banking & Finance, 2006 - Elsevier
We propose a more complete conceptual framework for analysis of SME credit availability
issues. In this framework, lending technologies are the key conduit through which …
issues. In this framework, lending technologies are the key conduit through which …