FinTech, lending and payment innovation: A review

S Agarwal, J Zhang - Asia‐Pacific Journal of Financial Studies, 2020 - Wiley Online Library
The global landscape has seen the advent of new technology in offering innovative financial
services and products and resha** the financial sector, namely FinTech. In this review, we …

FinTech and household finance: a review of the empirical literature

S Agarwal, YH Chua - China Finance Review International, 2020 - emerald.com
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 …

FinTech adoption and financial inclusion: Evidence from household consumption in China

T Yang, X Zhang - Journal of Banking & Finance, 2022 - Elsevier
This paper provides micro-level evidence on how FinTech adoption affects household
consumption and consumption inequality. Our hypothesis is that through FinTech's payment …

Digital finance and the two-dimensional logic of industrial green transformation: Evidence from green transformation of efficiency and structure

S Zhong, L Peng, J Li, G Li, C Ma - Journal of Cleaner Production, 2023 - Elsevier
This paper deconstructs industrial green transformation into two aspects, industrial efficiency
green transformation and industrial structure green transformation. We examine the impact …

Digital finance era: Will individual investors become better players?

X Lu, X Zhang, J Guo, P Yue - Journal of International Financial Markets …, 2024 - Elsevier
Exploring the intersection of new technologies and financial services, this study probes the
role of digital inclusive finance in enhancing the performance of individual investors …

[HTML][HTML] RegTech: Technology-driven compliance and its effects on profitability, operations, and market structure

B Charoenwong, ZT Kowaleski, A Kwan… - Journal of Financial …, 2024 - Elsevier
Compliance-driven investments in technology—or “RegTech”—are growing rapidly. To
understand the effects on the financial sector, we study firms' responses to new internal …

[PDF][PDF] Inclusion and democratization through web3 and defi? initial evidence from the ethereum ecosystem

LW Cong, K Tang, Y Wang, X Zhao - 2023 - aeaweb.org
How financial technology impacts financial inclusion and democratic access to financial
services is central for policy discussions and applied research (World Bank Group, 2016; …

Banking in africa

T Beck, R Cull - 2014 - academic.oup.com
This chapter takes stock of the current state of banking systems across sub-Saharan Africa
and discusses recent developments including innovations that could help Africa leapfrog …

Shocks and technology adoption: Evidence from electronic payment systems

N Crouzet, A Gupta… - Journal of Political …, 2023 - journals.uchicago.edu
We provide evidence on the importance of coordination frictions in technology adoption,
using data from a large provider of electronic wallets during the Indian demonetization …

How debit cards enable the poor to save more

P Bachas, P Gertler, S Higgins, E Seira - The Journal of finance, 2021 - Wiley Online Library
We study an at‐scale natural experiment in which debit cards were given to cash transfer
recipients who already had a bank account. Using administrative account data and …