Innovation in the Retail Banking Industry: The Diffusion of Credit Scoring
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DOI: 10.1007/s11151-006-9101-0
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- W. Scott Frame & Lawrence J. White, 2004.
"Empirical Studies of Financial Innovation: Lots of Talk, Little Action?,"
Journal of Economic Literature, American Economic Association, vol. 42(1), pages 116-144, March.
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"The Diffusion of Financial Innovations: An Examination of the Adoption of Small Business Credit Scoring by Large Banking Organizations,"
The Journal of Business, University of Chicago Press, vol. 78(2), pages 577-596, March.
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Cited by:
- Silvia Del Prete & Cristina Demma & Paola Rossi, 2017. "From few to many: product differentiation in the Italian mortgage market," Questioni di Economia e Finanza (Occasional Papers) 383, Bank of Italy, Economic Research and International Relations Area.
- Evžen Kocenda & Martin Vojtek, 2011.
"Default Predictors in Retail Credit Scoring: Evidence from Czech Banking Data,"
Emerging Markets Finance and Trade, Taylor & Francis Journals, vol. 47(6), pages 80-98, November.
- Evžen Kocenda & Martin Vojtek, 2009. "Default Predictors and Credit Scoring Models for Retail Banking," CESifo Working Paper Series 2862, CESifo.
- Evzen Kocenda & Martin Vojtek, 2011. "Default Predictors in Retail Credit Scoring: Evidence from Czech Banking Data," William Davidson Institute Working Papers Series wp1015, William Davidson Institute at the University of Michigan.
- Walke, Adam G. & Fullerton, Thomas M. & Tokle, Robert J., 2018. "Risk-based loan pricing consequences for credit unions," Journal of Empirical Finance, Elsevier, vol. 47(C), pages 105-119.
- Magri, Silvia & Pico, Raffaella, 2011.
"The rise of risk-based pricing of mortgage interest rates in Italy,"
Journal of Banking & Finance, Elsevier, vol. 35(5), pages 1277-1290, May.
- Silvia Magri & Raffaella Pico, 2010. "The rise of risk-based pricing of mortgage interest rates in Italy," Temi di discussione (Economic working papers) 778, Bank of Italy, Economic Research and International Relations Area.
- Cristina Demma, 2017. "Credit Scoring and the Quality of Business Credit During the Crisis," Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 46(2), pages 269-306, July.
- Pierri, Nicola & Timmer, Yannick, 2022.
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- Timmer, Yannick & Pierri, Niccola, 2021. "The importance of technology in banking during a crisis," ESRB Working Paper Series 117, European Systemic Risk Board.
- Nicola Pierri & Yannick Timmer, 2022. "The Importance of Technology in Banking during a Crisis," Finance and Economics Discussion Series 2022-020, Board of Governors of the Federal Reserve System (U.S.).
- Silvia Magri, 2009. "The financing of small entrepreneurs in Italy," Annals of Finance, Springer, vol. 5(3), pages 397-419, June.
- Anne Marie Knott & Hart E. Posen & Brian Wu, 2009. "Spillover Asymmetry and Why It Matters," Management Science, INFORMS, vol. 55(3), pages 373-388, March.
- Bracht, Felix & Mahieu, Jeroen & Vanhaverbeke, Steven, 2024. "The signaling value of legal form in entrepreneurial debt financing," Journal of Business Venturing, Elsevier, vol. 39(3).
- Zhaozhao He, 2015. "Rivalry, Market Structure and Innovation: The Case of Mobile Banking," Review of Industrial Organization, Springer;The Industrial Organization Society, vol. 47(2), pages 219-242, September.
- Silvia Magri, 2018. "Are lenders using risk-based pricing in the consumer loan market? The effects of the 2008 crisis," Temi di discussione (Economic working papers) 1164, Bank of Italy, Economic Research and International Relations Area.
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More about this item
Keywords
credit scoring; innovation; mortgage loans; retail banks; technology diffusion; G21; O31; C41;All these keywords.
JEL classification:
- G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
- O31 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Innovation and Invention: Processes and Incentives
- C41 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods: Special Topics - - - Duration Analysis; Optimal Timing Strategies
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