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Beyond Traditional Lending: Credit Product and Service Innovations

In: CREDIT MARKET INNOVATIONS How Institutions, Technology, and Regulation Are Reshaping Global Lending

Author

Listed:
  • Frank J. Fabozzi

Abstract

The following sections are included:Introduction: A New Paradigm in Credit Products and ServicesFinancial Inclusion and Expanding Credit AccessChallenges of traditional credit systemsAlternative credit scoring and risk assessmentMobile payments and financial inclusionConsumer Credit InnovationsBuy now, pay laterPayday loans and short-term creditIncome share agreements for student loansCredit cards, digital lending, and competition from fintechMortgage Product InnovationsExpanding access to mortgage creditAlternative Business Credit ModelsPeer-to-peer lendingCrowdfunding platformsMicrofinance and community lendingRegulatory ConsiderationsCase StudiesChallenges and RisksFuture OutlookSummary

Suggested Citation

  • Frank J. Fabozzi, 2026. "Beyond Traditional Lending: Credit Product and Service Innovations," World Scientific Book Chapters, in: CREDIT MARKET INNOVATIONS How Institutions, Technology, and Regulation Are Reshaping Global Lending, chapter 4, pages 89-143, World Scientific Publishing Co. Pte. Ltd..
    • Handle: RePEc:wsi:wschap:9781800618152_0004
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    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
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes
    • D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information; Mechanism Design

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