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Empirical Evidence on the Trinomial Bank-Firm Relationship, ESG, and Alternative Finance

In: Adapting to Change

Author

Listed:
  • Egidio Palmieri

    (University of Udine)

  • Enrico Fioravante Geretto

    (University of Udine)

Abstract

This chapter of the document, ‘Empirical Evidence on the Trinomial Bank-Firm Relationship, ESG, and Alternative Finance’, investigates the impact of FinTech Credit on the financial sector. It examines how FinTech Credit affects financial operations, stability, and borrowing patterns, showing a significant influence that extends over multiple periods. Firms utilizing FinTech Credit display enhanced financial stability and an increased tendency to take on more debt. The study also observes consistent effects of FinTech Credit on interest expenses over time. When exploring the interaction between FinTech Credit and Environmental, Social, and Governance (ESG) factors, the findings reveal a complex relationship. Certain ESG aspects, particularly in environmental and governance, reduce default risk, but their combined effect with FinTech Credit does not consistently enhance benefits. This comprehensive analysis highlights the profound and lasting impact of FinTech Credit in the financial sector, crucial for shaping future financial policies and strategies.

Suggested Citation

  • Egidio Palmieri & Enrico Fioravante Geretto, 2023. "Empirical Evidence on the Trinomial Bank-Firm Relationship, ESG, and Alternative Finance," Palgrave Macmillan Studies in Banking and Financial Institutions, in: Adapting to Change, chapter 0, pages 97-167, Palgrave Macmillan.
    • Handle: RePEc:pal:pmschp:978-3-031-50265-1_4
    DOI: 10.1007/978-3-031-50265-1_4
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