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Digital Disruption in Banking

Citations

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Cited by:

  1. Santiago Carbó‐Valverde & Pedro J. Cuadros‐Solas & Francisco Rodríguez‐Fernández & José Juan Sánchez‐Béjar, 2024. "Digital innovation and de‐branching in the banking industry: Customer perception and satisfaction," Global Policy, London School of Economics and Political Science, vol. 15(S1), pages 8-20, March.
  2. Lucas A. Mariani & Jose Renato Haas Ornelas & Bernardo Ricca, 2023. "Banks’ Physical Footprint and Financial Technology Adoption," Working Papers Series 576, Central Bank of Brazil, Research Department.
  3. Vives, Xavier & Ye, Zhiqiang, 2025. "Information technology and lender competition," Journal of Financial Economics, Elsevier, vol. 163(C).
  4. Valeria Stefanelli & Francesco Manta & Pierluigi Toma, 2022. "Digital financial services and open banking innovation: are banks becoming invisible?," Papers 2210.01109, arXiv.org, revised Oct 2022.
  5. Massimo Preziuso & Franziska Koefer & Michel Ehrenhard, 2023. "Open banking and inclusive finance in the European Union: perspectives from the Dutch stakeholder ecosystem," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 9(1), pages 1-27, December.
  6. Ferry Syarifuddin & Toni Bakhtiar, 2022. "The Macroeconomic Effects of an Interest-Bearing CBDC: A DSGE Model," Mathematics, MDPI, vol. 10(10), pages 1-33, May.
  7. Sant'Anna, Dário A.L.M. & Figueiredo, Paulo N., 2024. "Fintech innovation: Is it beneficial or detrimental to financial inclusion and financial stability? A systematic literature review and research directions," Emerging Markets Review, Elsevier, vol. 60(C).
  8. Cuadros-Solas, Pedro J. & Cubillas, Elena & Salvador, Carlos & Suárez, Nuria, 2024. "Digital disruptors at the gate. Does FinTech lending affect bank market power and stability?," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 92(C).
  9. Onorato, Grazia & Pampurini, Francesca & Quaranta, Anna Grazia, 2024. "Lending activity efficiency. A comparison between fintech firms and the banking sector," Research in International Business and Finance, Elsevier, vol. 68(C).
  10. Florian Diener, 2020. "Empirical Evidence of a Changing Operating Cost Structure and Its Impact on Banks’ Operating Profit: The Case of Germany," JRFM, MDPI, vol. 13(10), pages 1-20, October.
  11. Vives, Xavier & Ye, Zhiqiang, 2025. "Fintech entry, lending market competition, and welfare," Journal of Financial Economics, Elsevier, vol. 168(C).
  12. Berger, Allen N. & Boot, Arnoud W.A., 2024. "Financial intermediation services and competition analyses: Review and paths forward for improvement," Journal of Financial Intermediation, Elsevier, vol. 57(C).
  13. Julio R. Hernáez & Alejandra Bernad & Laura Hierro & Ana M. Gómez-Bezares, 2022. "Reflections on the future business model of European banks and the supervisory approach," Financial Stability Review, Banco de España, issue Spring.
  14. Rakesh Gupta & Reema Khurana & Anu Prashaant, 2024. "Open banking on the horizon: a scientometric analysis and research agenda," Electronic Commerce Research, Springer, vol. 24(1), pages 577-604, March.
  15. Raphael A. Auer & Giulio Cornelli & Jon Frost, 2020. "Rise of the Central Bank Digital Currencies: Drivers, Approaches and Technologies," CESifo Working Paper Series 8655, CESifo.
  16. Zhang, Xudong & Li, Zhihui, 2025. "FinTech: The disruptive force reducing bank competition pressure," Emerging Markets Review, Elsevier, vol. 65(C).
  17. Roberto Moro-Visconti & Salvador Cruz Rambaud & Joaquín López Pascual, 2020. "Sustainability in FinTechs: An Explanation through Business Model Scalability and Market Valuation," Sustainability, MDPI, vol. 12(24), pages 1-24, December.
  18. He, Zhiguo & Huang, Jing & Zhou, Jidong, 2023. "Open banking: Credit market competition when borrowers own the data," Journal of Financial Economics, Elsevier, vol. 147(2), pages 449-474.
  19. Laeven, Luc & Boot, Arnoud & Hoffmann, Peter & Ratnovski, Lev, 2020. "Financial Intermediation and Technology: What’s Old, What’s New?," CEPR Discussion Papers 15004, C.E.P.R. Discussion Papers.
  20. Babina, Tania & Bahaj, Saleem & Buchak, Greg & De Marco, Filippo & Foulis, Angus & Gornall, Will & Mazzola, Francesco & Yu, Tong, 2025. "Customer data access and fintech entry: Early evidence from open banking," Journal of Financial Economics, Elsevier, vol. 169(C).
  21. Aamir Aijaz Syed & Farhan Ahmed & Muhammad Abdul Kamal & Juan E. Trinidad Segovia, 2021. "Assessing the Role of Digital Finance on Shadow Economy and Financial Instability: An Empirical Analysis of Selected South Asian Countries," Mathematics, MDPI, vol. 9(23), pages 1-15, November.
  22. Ongena, Steven & Paraschiv, Florentina & Reite, Endre J., 2023. "Counteroffers and Price Discrimination in Mortgage Lending," Journal of Empirical Finance, Elsevier, vol. 74(C).
  23. Gisbert, Josep & Gutierrez, Jose E., 2024. "Bridging the gap? A theoretical analysis of the net effect of FinTech entry on access to credit," Finance Research Letters, Elsevier, vol. 69(PA).
  24. Huynh, Japan, 2025. "Digital transformation under the pressure of uncertainty in the banking sector," Economic Analysis and Policy, Elsevier, vol. 86(C), pages 559-575.
  25. Tobias Berg & Andreas Fuster & Manju Puri, 2022. "FinTech Lending," Annual Review of Financial Economics, Annual Reviews, vol. 14(1), pages 187-207, November.
  26. Ferry Syarifuddin & Toni Bakhtiar, 2021. "Monetary Policy Strategy In The Presence Of Central Bank Digital Currency," Working Papers WP/09/2021, Bank Indonesia.
  27. Łasak, Piotr & Wyciślak, Sławomir, 2024. "The dichotomy of inclusiveness and vulnerability as a consequence of banking platform development," Research in International Business and Finance, Elsevier, vol. 72(PB).
  28. Sun, Xiaoyan & Xie, Xuanli, 2024. "How does digital finance promote entrepreneurship? The roles of traditional financial institutions and BigTech firms," Pacific-Basin Finance Journal, Elsevier, vol. 85(C).
  29. Boot, Arnoud & Hoffmann, Peter & Laeven, Luc & Ratnovski, Lev, 2021. "Fintech: what’s old, what’s new?," Journal of Financial Stability, Elsevier, vol. 53(C).
  30. Capera Romero, Laura, 2020. "Essays on competition, regulation and innovation in the banking industry," Other publications TiSEM 5185bee5-c023-4219-90db-0, Tilburg University, School of Economics and Management.
  31. Li, Emma & Mao, Mike Qinghao & Zhang, Hong Feng & Zheng, Hao, 2023. "Banks’ investments in fintech ventures," Journal of Banking & Finance, Elsevier, vol. 149(C).
  32. Zhang, Hong & Wang, Yuejing & Wang, Xiaoquan, 2024. "The impact of financial deepening on agricultural production: A household-level analysis of BigTech finance," Economic Analysis and Policy, Elsevier, vol. 84(C), pages 57-77.
  33. Sánchez, Marisa A., 2022. "A multi-level perspective on financial technology transitions," Technological Forecasting and Social Change, Elsevier, vol. 181(C).
  34. Sikalao-Lekobane, Onneetse L., 2024. "Does FinTech credit enhance or disrupt financial stability?," International Review of Economics & Finance, Elsevier, vol. 96(PA).
  35. Martínez-de-Ibarreta, Carlos & Ruiz-Rua, Aurora & Gijón, Covadonga & Fernández-Bonilla, Fernando, 2024. "The actually online banking consumer," 24th ITS Biennial Conference, Seoul 2024. New bottles for new wine: digital transformation demands new policies and strategies 302528, International Telecommunications Society (ITS).
  36. Yerushalmi, Erez & Paladini, Stefania, 2023. "Blockchain in Financial Intermediation and Beyond: What are the Main Barriers for Widespread Adoption?," CAFE Working Papers 22, Centre for Accountancy, Finance and Economics (CAFE), Birmingham City Business School, Birmingham City University.
  37. Li, Yawen & Xia, Yufei & Sun, Zongting & Sun, Naili, 2025. "Does digital transformation affect systemic risk? Evidence from the banking sector in China," International Review of Financial Analysis, Elsevier, vol. 102(C).
  38. Christian Haddad & Lars Hornuf, 2021. "The Impact of Fintech Startups on Financial Institutions' Performance and Default Risk," CESifo Working Paper Series 9050, CESifo.
  39. Easwaramoorthy Rangaswamy & Wong Sin Yong & Gemini V. Joy, 2024. "The evaluation of challenges and impact of digitalisation on consumers in Singapore," International Journal of System Assurance Engineering and Management, Springer;The Society for Reliability, Engineering Quality and Operations Management (SREQOM),India, and Division of Operation and Maintenance, Lulea University of Technology, Sweden, vol. 15(5), pages 1704-1716, May.
  40. Tigges, Maximilian & Mestwerdt, Sönke & Tschirner, Sebastian & Mauer, René, 2024. "Who gets the money? A qualitative analysis of fintech lending and credit scoring through the adoption of AI and alternative data," Technological Forecasting and Social Change, Elsevier, vol. 205(C).
  41. Francisco Jesús Guerrero López & Paula Margaretic & Lucía Quesada & Federico Sturzenegger, 2024. "Banks or Fintechs? A Roadmap for Regulation," Working Papers 327, Red Nacional de Investigadores en Economía (RedNIE).
  42. Markus Merz, 2021. "Contemporaneous financial intermediation," Digital Finance, Springer, vol. 3(1), pages 25-44, March.
  43. Gorka Koldobika Briones de Araluze & Natalia Cassinello Plaza, 2022. "Open banking: A bibliometric analysis-driven definition," PLOS ONE, Public Library of Science, vol. 17(10), pages 1-19, October.
  44. Julio R. Hernáez & Alejandra Bernad & Laura Hierro & Ana M. Gómez-Bezares, 2022. "Reflections on the future business model of European banks and the supervisory approach," Revista de Estabilidad Financiera, Banco de España, issue Primavera.
  45. Shreya Pal & Indranil Bandyopadhyay, 2022. "Impact of financial inclusion on economic growth, financial development, financial efficiency, financial stability, and profitability: an international evidence," SN Business & Economics, Springer, vol. 2(9), pages 1-29, September.
  46. Santiago Carbo-Valverde & Pedro Cuadros-Solas & Francisco Rodríguez-Fernández, 2020. "A machine learning approach to the digitalization of bank customers: Evidence from random and causal forests," PLOS ONE, Public Library of Science, vol. 15(10), pages 1-39, October.
  47. Julio R. Hernáez & Alejandra Bernad & Laura Hierro & Ana M. Gómez-Bezares, 2022. "Reflections on the future business model of European banks and the supervisory approach," Financial Stability Review, Banco de España, issue Spring.
  48. Katarzyna Schmidt-Jessa, 2023. "The impact of COVID-19 on digital-only banks: are they winners or losers?," Journal of Banking Regulation, Palgrave Macmillan, vol. 24(3), pages 310-320, September.
  49. Ana Maria Barbosa Casolaro & Gabriela Nogueira Rauber & Ursula Silveira Monteiro Lima, 2025. "Open banking: a systematic literature review," Journal of Banking Regulation, Palgrave Macmillan, vol. 26(3), pages 340-355, September.
  50. Li, Chao & Zhang, Yuhan & Li, Xiang & Hao, Yanwei, 2024. "Artificial intelligence, household financial fragility and energy resources consumption: Impacts of digital disruption from a demand-based perspective," Resources Policy, Elsevier, vol. 88(C).
  51. Madeira, Carlos, 2021. "The potential impact of financial portability measures on mortgage refinancing: Evidence from Chile," Journal of International Money and Finance, Elsevier, vol. 117(C).
  52. Liming Yang & Yanxia Chen & Xiuju Gao, 2023. "Spatial Spillover Effect of Digital-Finance-Driven Technology Innovation Level Based on BP Neural Network," Sustainability, MDPI, vol. 15(2), pages 1-14, January.
  53. Zheng, Hao & Mao, Mike Qinghao, 2024. "Fintech mergers and acquisitions," Journal of International Money and Finance, Elsevier, vol. 143(C).
  54. Katarzyna Schmidt-Jessa & Maciej Stradomski, 2023. "Consumer awareness and acceptance of digital-only banks," Bank i Kredyt, Narodowy Bank Polski, vol. 54(4), pages 389-418.
  55. Doina Caragea & Theodor Cojoianu & Mihai Dobri & Andreas Hoepner & Oana Peia & Davide Romelli, 2024. "Competition and Innovation in the Financial Sector: Evidence from the Rise of FinTech Start-ups," Journal of Financial Services Research, Springer;Western Finance Association, vol. 65(1), pages 103-140, February.
  56. Serfes, Konstantinos & Wu, Kejia & Avramidis, Panagiotis, 2025. "FinTech vs. Bank: The impact of lending technology on credit market competition," Journal of Banking & Finance, Elsevier, vol. 170(C).
  57. Thomas Puschmann & Valentyn Khmarskyi, 2024. "Green fintech: Developing a research agenda," Corporate Social Responsibility and Environmental Management, John Wiley & Sons, vol. 31(4), pages 2823-2837, July.
  58. Nien-Ping Chen & Kao-Yi Shen & Chiung-Ju Liang, 2021. "Hybrid Decision Model for Evaluating Blockchain Business Strategy: A Bank’s Perspective," Sustainability, MDPI, vol. 13(11), pages 1-22, May.
  59. Lei Lu & Jianxing Wei & Weixing Wu & Yi Zhou, 2023. "Pricing strategies in BigTech lending: Evidence from China," Financial Management, Financial Management Association International, vol. 52(2), pages 333-374, June.
  60. Isaac Otchere & Zia Mohammed & Witness Simbanegavi, 2025. "Fintech and financial system stability in South Africa," Working Papers 11082, South African Reserve Bank.
  61. Mariani, Lucas A. & Haas Ornelas, José Renato & Ricca, Bernardo, 2023. "Banks’ Physical Footprint and Financial Technology Adoption," IDB Publications (Working Papers) 12812, Inter-American Development Bank.
  62. Fang, Jianyu & Zhu, Jialiang, 2023. "The impact of open banking on traditional lending in the BRICS," Finance Research Letters, Elsevier, vol. 58(PA).
  63. Chun Chen & Bowen Xiao & Jie Wang & Huanzhuo Ye, 2023. "The effects of fintech development on financing constraints of small and medium‐sized enterprises—Evidence from China," Managerial and Decision Economics, John Wiley & Sons, Ltd., vol. 44(7), pages 4161-4172, October.
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