The Role of Bank-Fintech Partnerships in Creating a More Inclusive Banking System
Author
Abstract
Suggested Citation
DOI: 10.21799/frbp.wp.2023.21
Download full text from publisher
Other versions of this item:
- Chernoff, Alan & Jagtiani, Julapa, 2024. "The role of bank–FinTech partnerships in creating a more inclusive banking system," Journal of Digital Banking, Henry Stewart Publications, vol. 8(4), pages 330-354, March.
References listed on IDEAS
- Nicola Pierri & Yannick Timmer, 2020.
"Tech in Fin before FinTech: Blessing or Curse for Financial Stability?,"
CESifo Working Paper Series
8067, CESifo.
- Mr. Nicola Pierri & Mr. Yannick Timmer, 2020. "Tech in Fin before FinTech: Blessing or Curse for Financial Stability?," IMF Working Papers 2020/014, International Monetary Fund.
- Andreas Fuster & Matthew Plosser & Philipp Schnabl & James Vickery, 2019.
"The Role of Technology in Mortgage Lending,"
The Review of Financial Studies, Society for Financial Studies, vol. 32(5), pages 1854-1899.
- Schnabl, Philipp & Vickery, James & Plosser, Matthew, 2018. "The Role of Technology in Mortgage Lending," CEPR Discussion Papers 12961, C.E.P.R. Discussion Papers.
- Andreas Fuster & Matthew Plosser & Philipp Schnabl & James Vickery, 2018. "The role of technology in mortgage lending," Staff Reports 836, Federal Reserve Bank of New York.
- Andreas Fuster & Matthew Plosser & Philipp Schnabl & James Vickery, 2018. "The Role of Technology in Mortgage Lending," NBER Working Papers 24500, National Bureau of Economic Research, Inc.
- Garth Saloner & Andrea Shepard, 1995. "Adoption of Technologies with Network Effects: An Empirical Examination of the Adoption of Teller Machines," RAND Journal of Economics, The RAND Corporation, vol. 26(3), pages 479-501, Autumn.
- Jagtiani, Julapa & Lemieux, Catharine, 2018.
"Do fintech lenders penetrate areas that are underserved by traditional banks?,"
Journal of Economics and Business, Elsevier, vol. 100(C), pages 43-54.
- Julapa Jagtiani & Catharine Lemieux, 2018. "Do Fintech Lenders Penetrate Areas That Are Underserved by Traditional Banks?," Working Papers 18-13, Federal Reserve Bank of Philadelphia.
- Erel, Isil & Liebersohn, Jack, 2020. "Does FinTech Substitute for Banks? Evidence from the Paycheck Protection Program," Working Paper Series 2020-16, Ohio State University, Charles A. Dice Center for Research in Financial Economics.
- DeYoung, Robert & Lang, William W. & Nolle, Daniel L., 2007. "How the Internet affects output and performance at community banks," Journal of Banking & Finance, Elsevier, vol. 31(4), pages 1033-1060, April.
- Isil Erel & Jack Liebersohn, 2020. "Does FinTech Substitute for Banks? Evidence from the Paycheck Protection Program," NBER Working Papers 27659, National Bureau of Economic Research, Inc.
- Marco Di Maggio & Vincent Yao, 2021.
"Fintech Borrowers: Lax Screening or Cream-Skimming?,"
The Review of Financial Studies, Society for Financial Studies, vol. 34(10), pages 4565-4618.
- Marco Di Maggio & Vincent Yao, 2020. "Fintech Borrowers: Lax-Screening or Cream-Skimming?," NBER Working Papers 28021, National Bureau of Economic Research, Inc.
Most related items
These are the items that most often cite the same works as this one and are cited by the same works as this one.- Paul Beaumont & Huan Tang & Éric Vansteenberghe, 2024. "Collateral Effects: The Role of FinTech in Small Business Lending [Effets collatéraux : le rôle des Fintechs dans le financement des petites et moyennes entreprises]," Débats économiques et financiers 42, Banque de France.
- Giulio Cornelli & Jon Frost & Leonardo Gambacorta & Julapa Jagtiani, 2022.
"The Impact of Fintech Lending on Credit Access for U.S. Small Businesses,"
Working Papers
22-14, Federal Reserve Bank of Philadelphia.
- Giulio Cornelli & Jon Frost & Leonardo Gambacorta & Julapa Jagtiani, 2022. "The impact of fintech lending on credit access for U.S. small businesses," BIS Working Papers 1041, Bank for International Settlements.
- Gambacorta, Leonardo & Cornelli, Giulio & Frost, Jon & Jagtiani, Julapa, 2022. "The Impact of Fintech Lending on Credit Access for U.S. Small Businesses," CEPR Discussion Papers 17705, C.E.P.R. Discussion Papers.
- Tobias Berg & Andreas Fuster & Manju Puri, 2022.
"FinTech Lending,"
Annual Review of Financial Economics, Annual Reviews, vol. 14(1), pages 187-207, November.
- Tobias Berg & Andreas Fuster & Manju Puri, 2021. "FinTech Lending," Swiss Finance Institute Research Paper Series 21-72, Swiss Finance Institute.
- Berg, Tobias & Puri, Manju, 2021. "FinTech Lending," CEPR Discussion Papers 16668, C.E.P.R. Discussion Papers.
- Tobias Berg & Andreas Fuster & Manju Puri, 2021. "FinTech Lending," NBER Working Papers 29421, National Bureau of Economic Research, Inc.
- Brandon Goldstein & Julapa Jagtiani & Catharine Lemieux, 2023. "Did Fintech Loans Default More During the COVID-19 Pandemic? Were Fintech Firms “Cream-Skimming” the Best Borrowers?," Working Papers 23-26, Federal Reserve Bank of Philadelphia.
- Huang, Yiping & Li, Xiang & Qiu, Han & Yu, Changhua, 2023.
"BigTech credit and monetary policy transmission: Micro-level evidence from China,"
BOFIT Discussion Papers
2/2023, Bank of Finland Institute for Emerging Economies (BOFIT).
- Huang, Yiping & Li, Xiang & Qiu, Han & Su, Dan & Yu, Changhua, 2024. "Bigtech credit, small business, and monetary policy transmission: Theory and evidence," IWH Discussion Papers 18/2022, Halle Institute for Economic Research (IWH), revised 2024.
- Yiping Huang & Xiang Li & Han Qiu & Changhua Yu, 2023. "Big tech credit and monetary policy transmission: micro-level evidence from China," BIS Working Papers 1084, Bank for International Settlements.
- Ferreira, Miguel A. & Eça, Afonso & Prado, Melissa Porras & Rizzo, A. Emanuele, 2022. "The real effects of FinTech lending on SMEs: evidence from loan applications," Working Paper Series 2639, European Central Bank.
- Alraqeb Zeynep & Knaack Peter & Macaire Camille, 2022. "Does FinTech Promote Entrepreneurship? Evidence from China [L’adoption des Fintech favorise-t-elle l’entreprenariat ? Le cas de la Chine]," Working papers 895, Banque de France.
- Gregory E. Elliehausen & Simona Hannon, 2023. "FinTech and Banks: Strategic Partnerships That Circumvent State Usury Laws," Finance and Economics Discussion Series 2023-056, Board of Governors of the Federal Reserve System (U.S.).
- Andreas Fuster & Aurel Hizmo & Lauren Lambie-Hanson & James Vickery & Paul S. Willen, 2021.
"How Resilient Is Mortgage Credit Supply? Evidence from the COVID-19 Pandemic,"
NBER Working Papers
28843, National Bureau of Economic Research, Inc.
- Andreas Fuster & Aurel Hizmo & Lauren Lambie-Hanson & James Vickery & Paul S. Willen, 2021. "How Resilient Is Mortgage Credit Supply? Evidence from the COVID-19 Pandemic," Working Papers 21-4, Federal Reserve Bank of Boston.
- Andreas Fuster & Aurel Hizmo & Lauren Lambie-Hanson & James Vickery & Paul S. Willen, 2021. "How Resilient Is Mortgage Credit Supply? Evidence from the COVID-19 Pandemic," Working Papers 21-20, Federal Reserve Bank of Philadelphia.
- Andreas Fuster & Aurel Hizmo & Lauren Lambie-Hanson & James Vickery & Paul S. Willen, 2021. "How Resilient Is Mortgage Credit Supply? Evidence from the COVID-19 Pandemic," Finance and Economics Discussion Series 2021-048, Board of Governors of the Federal Reserve System (U.S.).
- Andreas Fuster & Aurel Hizmo & Lauren Lambie-Hanson & James I. Vickery & Paul Willen, 2021. "How Resilient is Mortgage Credit Supply? Evidence from the Covid-19 Pandemic," Swiss Finance Institute Research Paper Series 21-41, Swiss Finance Institute.
- Hizmo, Aurel & Lambie-Hanson, Lauren & Vickery, James & Willen, Paul, 2021. "How Resilient Is Mortgage Credit Supply? Evidence from the COVID-19 Pandemic," CEPR Discussion Papers 16110, C.E.P.R. Discussion Papers.
- Pacelli, Vincenzo & Miglietta, Federica & Foglia, Matteo, 2022. "The extreme risk connectedness of the new financial system: European evidence," International Review of Financial Analysis, Elsevier, vol. 84(C).
- Moritz Sefried & Jan Riepe, 2023. "The benefits of banks’ IT investments in times of trouble: evidence from loan loss accruals during the COVID-19 pandemic," Journal of Business Economics, Springer, vol. 93(1), pages 149-171, January.
- Karaman, Hakkı Deniz & Savaser, Tanseli & Tiniç, Murat & Tumer-Alkan, Gunseli, 2021. "Financial technology in developing economies: A note on digital lending in Turkey," Economics Letters, Elsevier, vol. 207(C).
- Sabrina T. Howell & Theresa Kuchler & David Snitkof & Johannes Stroebel & Jun Wong, 2021. "Lender Automation and Racial Disparities in Credit Access," NBER Working Papers 29364, National Bureau of Economic Research, Inc.
- Sabrina T. Howell & Theresa Kuchler & David Snitkof & Johannes Stroebel & Jun Wong, 2021.
"Racial Disparities in Access to Small Business Credit: Evidence from the Paycheck Protection Program,"
CESifo Working Paper Series
9345, CESifo.
- Ströbel, Johannes & Howell, Sabrina & Kuchler, Theresa & Snitkof, David, 2021. "Racial Disparities in Access to Small Business Credit: Evidence from the Paycheck Protection Program," CEPR Discussion Papers 16623, C.E.P.R. Discussion Papers.
- Prieger, James E., 2023. "Local banking markets and barriers to entrepreneurship in minority and other areas," Journal of Economics and Business, Elsevier, vol. 124(C).
- Adnan Velic, 2023. "Wages and the Role of Intangibles in Finance," Trinity Economics Papers tep0323, Trinity College Dublin, Department of Economics.
- Evangelia Avgeri & Maria Psillaki & Evanthia Zervoudi, 2023. "Peer-to-Peer Lending as a Determinant of Federal Housing Administration-Insured Mortgages to Meet Sustainable Development Goals," Sustainability, MDPI, vol. 15(18), pages 1-30, September.
- Divakaruni, Anantha & Alperovych, Yan & Le Grand, François, 2022. "FinTech Lending under Austerity," OSF Preprints m4tps, Center for Open Science.
- Hasan, Iftekhar & Li, Xiang & Takalo, Tuomas, 2023. "Technological innovation and the bank lending channel of monetary policy transmission," IWH Discussion Papers 14/2021, Halle Institute for Economic Research (IWH), revised 2023.
- Prieger, James, 2023. "Local banking markets and barriers to entrepreneurship in minority and other areas: Does broadband availability help?," MPRA Paper 118102, University Library of Munich, Germany.
More about this item
Keywords
Fintech; alternative data; fintech partnership; financial inclusion; credit invisible;All these keywords.
JEL classification:
- G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
- G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
- G18 - Financial Economics - - General Financial Markets - - - Government Policy and Regulation
- L21 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Business Objectives of the Firm
NEP fields
This paper has been announced in the following NEP Reports:- NEP-BAN-2023-11-27 (Banking)
- NEP-CFN-2023-11-27 (Corporate Finance)
- NEP-FLE-2023-11-27 (Financial Literacy and Education)
- NEP-PAY-2023-11-27 (Payment Systems and Financial Technology)
- NEP-SBM-2023-11-27 (Small Business Management)
Statistics
Access and download statisticsCorrections
All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:fip:fedpwp:97019. See general information about how to correct material in RePEc.
If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.
If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .
If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Beth Paul (email available below). General contact details of provider: https://edirc.repec.org/data/frbphus.html .
Please note that corrections may take a couple of weeks to filter through the various RePEc services.