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On the Rise of FinTechs – Credit Scoring using Digital Footprints

Citations

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Cited by:

  1. 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.
  2. Lu, Yao & Zhan, Shuwei & Zhan, Minghua, 2024. "Has FinTech changed the sensitivity of corporate investment to interest rates?—Evidence from China," Research in International Business and Finance, Elsevier, vol. 68(C).
  3. Ang, James & Yan, Zhenli & Xiao, Tusheng & Yuan, Chun & Wang, Jingfang, 2024. "Impact of Fintech on labor allocation efficiency in firms: Empirical evidence from China," Global Finance Journal, Elsevier, vol. 62(C).
  4. Wang, Xiaodong & Deng, Yunfeng & Mao, Xiaomeng, 2025. "The impact of bank digital transformation on enterprises digital technology innovation in China," International Review of Financial Analysis, Elsevier, vol. 102(C).
  5. Peter Eccles & Paul Grout & Paolo Siciliani & Anna Zalewska, 2021. "The impact of machine learning and big data on credit markets," Bank of England working papers 930, Bank of England.
  6. Mao, Fengfu & Wang, Yuanfan & Zhu, Mengsi, 2023. "Digital financial inclusion, traditional finance system and household entrepreneurship," Pacific-Basin Finance Journal, Elsevier, vol. 80(C).
  7. Mark Jansen & Hieu Quang Nguyen & Amin Shams, 2025. "Rise of the Machines: The Impact of Automated Underwriting," Management Science, INFORMS, vol. 71(2), pages 955-975, February.
  8. Shuxian He & Xin Sheng, 2025. "Does bank digitalisation reduce corporate agency costs? Evidence from China," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, vol. 65(2), pages 1987-2012, June.
  9. Christophe Hurlin & Christophe Pérignon & Sébastien Saurin, 2026. "The Fairness of Credit Scoring Models," Management Science, INFORMS, vol. 72(1), pages 406-425, January.
  10. Yuqiang Cao & Meiting Lu & Yaowen Shan & Zhe Zhang & Yanglan Zu, 2025. "Digital Gains: FinTech Development and Labour Share," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, vol. 65(4), pages 3270-3290, December.
  11. Davaadorj, Zagdbazar & Enkhtaivan, Bolortuya & Lu, Wenling, 2024. "The role of job titles in online peer-to-peer lending: An empirical investigation on skilled borrowers," Journal of Behavioral and Experimental Finance, Elsevier, vol. 41(C).
  12. Khan, Habib Hussain & Qureshi, Fiza & Jamali, Dima, 2025. "Digital disruption in financing: Are fintech and bigtech credit reshaping corporate access to capital?," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 103(C).
  13. Guo, Dong & Li, Lin & Pang, Guoguang, 2024. "How does digital inclusive finance affect county's common prosperity: Theoretical and empirical evidence from China," Economic Analysis and Policy, Elsevier, vol. 82(C), pages 340-358.
  14. Basten, Christoph & Ongena, Steven, 2024. "Mortgage lending through a fintech web platform. The roles of competition, diversification, and automation," Journal of Banking & Finance, Elsevier, vol. 163(C).
  15. Leonardo Gambacorta & Yiping Huang & Zhenhua Li & Han Qiu & Shu Chen, 2020. "Data vs collateral," BIS Working Papers 881, Bank for International Settlements.
  16. Kriebel, Johannes & Stitz, Lennart, 2022. "Credit default prediction from user-generated text in peer-to-peer lending using deep learning," European Journal of Operational Research, Elsevier, vol. 302(1), pages 309-323.
  17. Langenbucher, Katja, 2022. "Consumer credit in the age of AI: Beyond anti-discrimination law," LawFin Working Paper Series 42, Goethe University, Center for Advanced Studies on the Foundations of Law and Finance (LawFin).
  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. Tang, Xinyin & Feng, Chong & Zhu, Jianping & He, Minna, 2022. "How Can We Learn from Borrowers’ Online Behaviors? The Signal Effect of Borrowers’ Platform Involvement on Their Credit Risk," SocArXiv qga8j, Center for Open Science.
  20. Nam, Rachel J., 2022. "Open banking and customer data sharing: Implications for FinTech borrowers," SAFE Working Paper Series 364, Leibniz Institute for Financial Research SAFE.
  21. Li, Wenyi & Yang, Zhen & Wang, Wenna, 2025. "The asymmetric effects of digital inclusive finance’s breadth and depth on the digital transformation of agribusinesses," Finance Research Letters, Elsevier, vol. 72(C).
  22. Leonardo Gambacorta & Fabiana Sabatini & Stefano Schiaffi, 2025. "Artificial intelligence and relationship lending," BIS Working Papers 1244, Bank for International Settlements.
  23. Wang, Xiaoting & Hou, Siyuan & Kyaw, Khine & Xue, Xupeng & Liu, Xueqin, 2023. "Exploring the determinants of Fintech Credit: A comprehensive analysis," Economic Modelling, Elsevier, vol. 126(C).
  24. 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).
  25. 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.
  26. Liu, Tao & Yu, Yanxin & Gong, Di & Guo, Min, 2024. "Geographic disparities in bank lending: Evidence from an auto loan market," Pacific-Basin Finance Journal, Elsevier, vol. 88(C).
  27. Nicola Branzoli & Ilaria Supino, 2020. "FinTech credit: a critical review of empirical research," Questioni di Economia e Finanza (Occasional Papers) 549, Bank of Italy, Economic Research and International Relations Area.
  28. Lin, Aijie & Peng, Yulei & Wu, Xi, 2022. "Digital finance and investment of micro and small enterprises: Evidence from China," China Economic Review, Elsevier, vol. 75(C).
  29. 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.
  30. Tan, Changchun & Mo, Lingyu & Wu, Xiaomeng & Zhou, Peng, 2024. "Fintech development and corporate credit risk: Evidence from an emerging market," International Review of Financial Analysis, Elsevier, vol. 92(C).
  31. Zilong Liu & Hongyan Liang, 2025. "Do Fintech Firms Excel in Risk Assessment for U.S. 30-Year Conforming Residential Mortgages?," FinTech, MDPI, vol. 4(3), pages 1-15, August.
  32. Nana Chai & Mohammad Zoynul Abedin & Xiaoling Wang & Baofeng Shi, 2025. "Growth potential of machine learning in credit risk predicting of farmers in the industry 4.0 era," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 30(3), pages 2163-2185, July.
  33. Carè, Rosella & Boitan, Iustina Alina & Stoian, Andreea Maria & Fatima, Rabia, 2025. "Exploring the landscape of financial inclusion through the lens of financial technologies: A review," Finance Research Letters, Elsevier, vol. 72(C).
  34. Harold H. Zhang & Feng Zhao & Xiaofei Zhao, 2024. "Neglected Risks in the Communication of Residential Mortgage‐Backed Securities Offerings," Journal of Finance, American Finance Association, vol. 79(1), pages 129-172, February.
  35. 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.
  36. Leonardo Gambacorta & Yiping Huang & Zhenhua Li & Han Qiu & Shu Chen, 2023. "Data versus Collateral," Review of Finance, European Finance Association, vol. 27(2), pages 369-398.
  37. Zhu, Keda & Guo, Lihong, 2024. "Financial technology, inclusive finance and bank performance," Finance Research Letters, Elsevier, vol. 60(C).
  38. Jung Youn Lee & Joonhyuk Yang & Eric T. Anderson, 2025. "Using Grocery Data for Credit Decisions," Management Science, INFORMS, vol. 71(4), pages 2753-2777, April.
  39. Wang, Yizi & Li, Lanyi, 2024. "Digital economy, industrial structure upgrading, and residents' consumption: Empirical evidence from prefecture-level cities in China," International Review of Economics & Finance, Elsevier, vol. 92(C), pages 1045-1058.
  40. Shouchao He & Zhi Jin & Yuanxiao Hong & Lindong Ma & YE Jiang & YuJing Chen, 2025. "The Impact of Digital Transformation on Commercial Banks’ Business Performance: An Empirical Study of 39 Listed Commercial Banks," SAGE Open, , vol. 15(4), pages 21582440251, November.
  41. 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).
  42. Hasan, Iftekhar & Kwak, Boreum & Li, Xiang, 2024. "Financial technologies and the effectiveness of monetary policy transmission," European Economic Review, Elsevier, vol. 161(C).
  43. 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.
  44. Beck, Thorsten & Gambacorta, Leonardo & Huang, Yiping & Li, Zhenhua & Qiu, Han, 2022. "Big techs, QR code payments and financial inclusion," CEPR Discussion Papers 17297, Centre for Economic Policy Research.
  45. Greenwald, Daniel L. & Howell, Sabrina T. & Li, Cangyuan & Yimfor, Emmanuel, 2024. "Regulatory arbitrage or random errors? Implications of race prediction algorithms in fair lending analysis," Journal of Financial Economics, Elsevier, vol. 157(C).
  46. Natalia Kovrijnykh & Igor Livshits & Ariel Zetlin-Jones, 2026. "Building Credit Histories," Working Papers 26-17, Federal Reserve Bank of Philadelphia.
  47. Fenfen Ma & Shah Fahad & Shuxi Yan & Yapeng Zhang, 2023. "Digital Transformation and Corporate Environmental Green Innovation Nexus: An Approach towards Green Innovation Improvement," Sustainability, MDPI, vol. 15(7), pages 1-15, April.
  48. Zhang, Guanglong & Chan, Kam C., 2025. "Central bank digital currency and corporate cash holdings: Evidence from China's e-CNY pilot," Journal of Corporate Finance, Elsevier, vol. 94(C).
  49. Wu, Wenyang & Tang, Shenfeng, 2024. "Bank credit in the digital age: Expansion or excessive expansion?," Finance Research Letters, Elsevier, vol. 70(C).
  50. 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).
  51. Raphael Auer & Giulio Cornelli & Sebastian Doerr & Jon Frost & Leonardo Gambacorta, 2022. "Crypto trading and Bitcoin prices: evidence from a new database of retail adoption," BIS Working Papers 1049, Bank for International Settlements.
  52. Langenbucher, Katja, 2022. "Consumer credit in the age of AI: Beyond anti-discrimination law," SAFE Working Paper Series 369, Leibniz Institute for Financial Research SAFE.
  53. Gambacorta, Leonardo & Khalil, Fahad & Parigi, Bruno, 2022. "Big Techs vs Banks," CEPR Discussion Papers 17649, Centre for Economic Policy Research.
  54. Gambacorta, Leonardo & Huang, Yiping & Qiu, Han & Wang, Jingyi, 2024. "How do machine learning and non-traditional data affect credit scoring? New evidence from a Chinese fintech firm," Journal of Financial Stability, Elsevier, vol. 73(C).
  55. Zhou, Nan & Sun, Ruohan & Li, Yuan & Zhang, Longyao, 2025. "Joint effect of digital transformation and bank branch establishment on rural economic growth," Research in International Business and Finance, Elsevier, vol. 75(C).
  56. Guo, Pin & Zhang, Cheng, 2023. "The impact of bank FinTech on liquidity creation: Evidence from China," Research in International Business and Finance, Elsevier, vol. 64(C).
  57. Branzoli, Nicola & Rainone, Edoardo & Supino, Ilaria, 2024. "The role of banks’ technology adoption in credit markets during the pandemic," Journal of Financial Stability, Elsevier, vol. 71(C).
  58. Sally Chen & Derryl D'Silva & Frank Packer & Siddharth Tiwari, 2022. "Virtual banking and beyond," BIS Papers, Bank for International Settlements, number 120.
  59. Cavoli, Tony & Khan, Isma & Wali Ullah, G.M., 2025. "Social capital and FinTech lending: international evidence," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 105(C).
  60. José María Liberti & Mitchell A. Petersen, 2018. "Information: Hard and Soft," NBER Working Papers 25075, National Bureau of Economic Research, Inc.
  61. Nengfeng Zhou & Zach Zhang & Vijayan N. Nair & Harsh Singhal & Jie Chen, 2022. "Bias, Fairness and Accountability with Artificial Intelligence and Machine Learning Algorithms," International Statistical Review, International Statistical Institute, vol. 90(3), pages 468-480, December.
  62. D Dulani Jayasuriya & Mohamed Ayaz & Michael Williams, 2023. "The use of digital footprints in the US mortgage market," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, vol. 63(1), pages 353-401, March.
  63. Sumin Hu & Qi Zhu & Xia Zhao & Ziyue Xu, 2023. "Digital Finance and Corporate Sustainability Performance: Promoting or Restricting? Evidence from China’s Listed Companies," Sustainability, MDPI, vol. 15(13), pages 1-16, June.
  64. Jiang, Jinglin & Liao, Li & Lu, Xi & Wang, Zhengwei & Xiang, Hongyu, 2021. "Deciphering big data in consumer credit evaluation," Journal of Empirical Finance, Elsevier, vol. 62(C), pages 28-45.
  65. Salma Rhanoui, 2022. "Banking Goes Digital: The Main Determinants of the Clients Satisfaction and Trust toward Fintech-Based Services," International Journal of Economics and Financial Issues, Econjournals, vol. 12(5), pages 10-20, September.
  66. Luisa Roa & Andr'es Rodr'iguez-Rey & Alejandro Correa-Bahnsen & Carlos Valencia, 2021. "Supporting Financial Inclusion with Graph Machine Learning and Super-App Alternative Data," Papers 2102.09974, arXiv.org.
  67. Liu, Shiang & Yang, Changyu, 2024. "The role of FinTech lenders in mortgage market: Evidence from corporate relocations," Finance Research Letters, Elsevier, vol. 63(C).
  68. Vladimir Kotomin & Wyatt Frere & Ruby Morr, 2025. "Forgive me not? Racial and institutional disparities in the Paycheck Protection Program loan forgiveness," Small Business Economics, Springer, vol. 64(3), pages 1433-1461, March.
  69. W. Scott Frame & Larry Wall & Lawrence J. White, 2018. "Technological Change and Financial Innovation in Banking: Some Implications for FinTech," Working Papers 18-28, New York University, Leonard N. Stern School of Business, Department of Economics.
  70. 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.
  71. Nicolas Suhadolnik & Jo Ueyama & Sergio Da Silva, 2023. "Machine Learning for Enhanced Credit Risk Assessment: An Empirical Approach," JRFM, MDPI, vol. 16(12), pages 1-21, November.
  72. Chen, Xiao & Huang, Bihong & Shaban, Mohamed, 2022. "Naïve or sophisticated? Information disclosure and investment decisions in peer to peer lending," Journal of Corporate Finance, Elsevier, vol. 77(C).
  73. Li, Yongkui & Du, Qixuan & Chao, Xiangrui & Gao, Xiang, 2024. "Macro-prudential policy, digital transformations and banks’ risk-taking," The Quarterly Review of Economics and Finance, Elsevier, vol. 98(C).
  74. Adriana Medina-Vidal & Patricia Esther Alonso-Galicia & Miguel González-Mendoza & María Soledad Ramírez-Montoya, 2025. "Financial inclusion of vulnerable sectors with a gender perspective: risk analysis model with artificial intelligence based on complex thinking," Journal of Innovation and Entrepreneurship, Springer, vol. 14(1), pages 1-18, December.
  75. Naima Lassoued & Imen Khanchel & Imen Fakhfakh, 2026. "Does every cloud have a silver lining?The effect of digitalization and government measures on bank efficiency during the pandemic," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 12(1), pages 1-40, December.
  76. Chen, Yanting & Dong, Yingwei & Hu, Jiayin & Huang, Yiping, 2025. "Does FinTech reduce human biases? Evidence from advisory vs. automated FinTechs in lending," Journal of Banking & Finance, Elsevier, vol. 181(C).
  77. Schwab, Brandon & Kriebel, Johannes, 2026. "Mitigating adversarial attacks on transformer models in credit scoring," European Journal of Operational Research, Elsevier, vol. 328(1), pages 309-323.
  78. Anran Dai & Shaoan Huang, 2025. "Online Payment Technological Innovation and Changes in Household Saving Rate: Evidence From China," Managerial and Decision Economics, John Wiley & Sons, Ltd., vol. 46(6), pages 3571-3590, September.
  79. Kakhkharov, Jakhongir & Bianchi, Robert J. & Akhtaruzzaman, Md, 2024. "The impact of monetary and fiscal policy on FinTech firms during the crisis," International Review of Economics & Finance, Elsevier, vol. 96(PB).
  80. Di Gong & Steven Ongena & Shusen Qi, 2025. "Information Frictions inside a Bank: Evidence from Borrower Switching between Branches," Swiss Finance Institute Research Paper Series 25-10, Swiss Finance Institute.
  81. 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).
  82. Doerr, Sebastian & Frost, Jon & Gambacorta, Leonardo & Shreeti, Vatsala, 2023. "Big techs in finance," CEPR Discussion Papers 18665, Centre for Economic Policy Research.
  83. Sánchez, Marisa A., 2022. "A multi-level perspective on financial technology transitions," Technological Forecasting and Social Change, Elsevier, vol. 181(C).
  84. Gregor Dorfleitner & Lars Hornuf & Julia Kreppmeier, 2023. "Promise not fulfilled: FinTech, data privacy, and the GDPR," Electronic Markets, Springer;IIM University of St. Gallen, vol. 33(1), pages 1-29, December.
  85. Yufei Xia & Xinyi Guo & Yinguo Li & Lingyun He & Xueyuan Chen, 2022. "Deep learning meets decision trees: An application of a heterogeneous deep forest approach in credit scoring for online consumer lending," Journal of Forecasting, John Wiley & Sons, Ltd., vol. 41(8), pages 1669-1690, December.
  86. Lv, Panpan & Xiong, Hu, 2022. "Can FinTech improve corporate investment efficiency? Evidence from China," Research in International Business and Finance, Elsevier, vol. 60(C).
  87. 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).
  88. Hasan, Iftekhar & Li, Xiang & Takalo, Tuomas, 2023. "Technological innovation and the bank lending channel of monetary policy transmission," BOFIT Discussion Papers 9/2023, Bank of Finland Institute for Emerging Economies (BOFIT).
  89. David M. Harrison & Michael J. Seiler & Liuming Yang, 2024. "The Impact of iBuyers on Housing Market Dynamics," The Journal of Real Estate Finance and Economics, Springer, vol. 68(3), pages 425-461, April.
  90. Feng, Ling & Li, Zhiyuan & Liu, Yixuan & Zhou, Yahong, 2025. "Did FinTech steal the cheese of banks? Evidence from Chinese firm exports," China Economic Review, Elsevier, vol. 91(C).
  91. Pan, Xiaoping & Zhang, Jiahui & Huang, Xianjing, 2025. "How bank FinTech facilitates firm-level new quality productive forces," Finance Research Letters, Elsevier, vol. 85(PE).
  92. Li, Cong & Liu, Jiaxuan & Liu, Yuwei & Wang, Xiaoyu, 2023. "Can digitalization empowerment improve the efficiency of corporate capital allocation? —Evidence from China," Economic Analysis and Policy, Elsevier, vol. 80(C), pages 1794-1810.
  93. Lu, Yao & Li, Lu & Zhan, Huanqi & Zhan, Minghua, 2024. "Fintech, information heterogeneity, and the regional distribution effects of corporate financing constraints," Economic Modelling, Elsevier, vol. 137(C).
  94. Ao, Zhiming & Ji, Xinru, 2025. "Strategic cooperation in fintech field and efficiency of commercial banks," The North American Journal of Economics and Finance, Elsevier, vol. 76(C).
  95. Christa Gibbs & Benedict Guttman-Kenney & Donghoon Lee & Scott Nelson & Wilbert van der Klaauw & Jialan Wang, 2025. "Consumer Credit Reporting Data," Journal of Economic Literature, American Economic Association, vol. 63(2), pages 598-636, June.
  96. Franz Flögel & Marius Beckamp, 2020. "Will FinTech make regional banks superfluous for small firm finance? Observations from soft information‐based lending in Germany," Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 49(2), July.
  97. Jiayu Yao & Mingfeng Lin & D. J. Wu, 2025. "Revealed Wisdom of the Crowd: Bids Predict Loan Quality," Management Science, INFORMS, vol. 71(10), pages 8127-8148, October.
  98. Vives, Xavier & Ye, Zhiqiang, 2025. "Information technology and lender competition," Journal of Financial Economics, Elsevier, vol. 163(C).
  99. Fahimeh Khatami & Enrico Cagno & Luboš Smrčka & Zoltan Rozsa, 2024. "Assessing the role of FinTech in entrepreneurial ecosystems at the international level," International Entrepreneurship and Management Journal, Springer, vol. 20(4), pages 3373-3402, December.
  100. Tianxiang Sheng & Jiahui Teng, 2025. "The impact of digital inclusive finance on regional capital aggregation," Managerial and Decision Economics, John Wiley & Sons, Ltd., vol. 46(1), pages 115-128, January.
  101. Min Jiang & Wei Zhou & Jiani Zong, 2025. "The role of digital finance on FDI inflow: facilitator or inhibitor?," Review of World Economics (Weltwirtschaftliches Archiv), Springer;Institut für Weltwirtschaft (Kiel Institute for the World Economy), vol. 161(3), pages 1113-1138, August.
  102. Giulio Cornelli & Sebastian Doerr & Leonardo Gambacorta & Ouarda Merrouche, 2020. "Inside the regulatory sandbox: effects on fintech funding," BIS Working Papers 901, Bank for International Settlements.
  103. Guo, Huixiao & Wang, Ruohan & Wang, Xinya, 2024. "Does the development of FinTech increase the risk of private lending ? Evidence from China," International Review of Economics & Finance, Elsevier, vol. 96(PC).
  104. Li, Xiao Yan & Zhang, Huanbo & Peng, Zhenfeng, 2025. "The nonlinear dynamic effects of fintech on carbon emissions: Evidence from Chinese cities," International Review of Financial Analysis, Elsevier, vol. 104(PB).
  105. Zhou, Nan & Sun, Ruohan, 2024. "Coping with the storm: The role of fintech in SME survival," International Review of Financial Analysis, Elsevier, vol. 93(C).
  106. Yaru Cao & Yanjun Wang & Shenyu Xiao & Liming Xiao, 2025. "The Impact of Digital Financial Inclusion on the Construction of Agricultural Anti-Risk Capacity: Based on a Sample Analysis of 46 Prefecture-Level Cities in the Huaihe River Basin," Agriculture, MDPI, vol. 15(6), pages 1-23, March.
  107. Ding, Jinxiu & Li, Lingxue & Zhao, Jinsong, 2024. "How does fintech prompt corporations toward ESG sustainable development? Evidence from China," Energy Economics, Elsevier, vol. 131(C).
  108. Lars Ole Hjelkrem & Petter Eilif de Lange & Erik Nesset, 2022. "The Value of Open Banking Data for Application Credit Scoring: Case Study of a Norwegian Bank," JRFM, MDPI, vol. 15(12), pages 1-15, December.
  109. Nazário Augusto de Oliveira & Leonardo Fernando Cruz Basso, 2025. "Advancing Credit Rating Prediction: The Role of Machine Learning in Corporate Credit Rating Assessment," Risks, MDPI, vol. 13(6), pages 1-26, June.
  110. 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.
  111. Gao, Mingze & Leung, Henry & Liu, Linhui & Qiu, Buhui, 2023. "Consumer behaviour and credit supply: Evidence from an Australian FinTech lender," Finance Research Letters, Elsevier, vol. 57(C).
  112. Sutherland, Andrew G., 2020. "Technology is changing lending: Implications for research," Journal of Accounting and Economics, Elsevier, vol. 70(2).
  113. Tetyana Balyuk, 2023. "FinTech Lending and Bank Credit Access for Consumers," Management Science, INFORMS, vol. 69(1), pages 555-575, January.
  114. Jacek Adamek & Ma³gorzata Solarz, 2023. "Adoption factors in digital lending services offered by FinTech lenders," Oeconomia Copernicana, Institute of Economic Research, vol. 14(1), pages 169-212, March.
  115. Wang, Xinyue & Cao, Yuqiang & Feng, Zhuoan & Lu, Meiting & Shan, Yaowen, 2023. "Local FinTech development and stock price crash risk," Finance Research Letters, Elsevier, vol. 53(C).
  116. Yang, Zhang & Jianxiong Lin & Yihe Qian & Lianjie Shu, 2025. "Machine learning and financial inclusion: Evidence from credit risk assessment of small-business loans in China," Working Papers 202532, University of Macau, Faculty of Business Administration.
  117. Qingqing Yang & Yu Shen & Qiannan Wu & Xueyi Zhong, 2025. "Bank FinTech and corporate disclosure: Evidence from China," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, vol. 65(2), pages 1669-1690, June.
  118. Jamal Hurani & Mohammed Kayed Abdel-Haq, 2025. "Factors Influencing FinTech Adoption Among Bank Customers in Palestine: An Extended Technology Acceptance Model Approach," IJFS, MDPI, vol. 13(1), pages 1-30, January.
  119. Salvatore Cardillo & Raffaele Gallo & Francesco Guarino, 2021. "Main challenges and prospects for the European banking sector: a critical review of the ongoing debate," Questioni di Economia e Finanza (Occasional Papers) 634, Bank of Italy, Economic Research and International Relations Area.
  120. Kai Feng & Han Hong & Ke Tang & Jingyuan Wang, 2025. "Statistical Tests for Replacing Human Decision Makers with Algorithms," Management Science, INFORMS, vol. 71(11), pages 9145-9170, November.
  121. Rosaria Distefano, 2026. "The social benefit of being destructive: entrepreneurship and loan diversion," Small Business Economics, Springer, vol. 66(2), pages 613-631, February.
  122. Jiang, Wei & Tang, Yuehua & Xiao, Rachel J. & Yao, Vincent, 2025. "Surviving the fintech disruption," Journal of Financial Economics, Elsevier, vol. 171(C).
  123. Li, Bin & Pan, Ya, 2025. "Digital inclusive finance and rural entrepreneurial survival: The moderating role of digital and financial literacy," Economic Analysis and Policy, Elsevier, vol. 86(C), pages 1119-1136.
  124. Fang, Yinhai & Liu, Zhihui, 2025. "Can digital finance enhance enterprise research and development innovation? The mediating role of dual consumption behavior transformation," Finance Research Letters, Elsevier, vol. 71(C).
  125. M. Ali Choudhary & Anil K. Jain, 2022. "Credit access and relational contracts: An experiment testing informational and contractual frictions for Pakistani farmers," International Finance Discussion Papers 2022, Board of Governors of the Federal Reserve System (U.S.).
  126. Minnis, Michael & Sutherland, Andrew G. & Vetter, Felix W., 2024. "Financial statements not required," Journal of Accounting and Economics, Elsevier, vol. 78(2).
  127. Peng, Hongfeng & Ji, Jiao & Sun, Hanwen & Xu, Haofeng, 2023. "Legal enforcement and fintech credit: International evidence," Journal of Empirical Finance, Elsevier, vol. 72(C), pages 214-231.
  128. Alfonso-Sánchez, Sherly & Solano, Jesús & Correa-Bahnsen, Alejandro & Sendova, Kristina P. & Bravo, Cristián, 2024. "Optimizing credit limit adjustments under adversarial goals using reinforcement learning," European Journal of Operational Research, Elsevier, vol. 315(2), pages 802-817.
  129. Laudenbach, Christine & Siegel, Stephan, 2024. "Personal communication in an automated world: Evidence from loan repayments," SAFE Working Paper Series 428, Leibniz Institute for Financial Research SAFE.
  130. Li, Yuze & Jiang, Shangrong & Shi, Jianming & Wei, Yunjie, 2021. "Pricing strategies for blockchain payment service under customer heterogeneity," International Journal of Production Economics, Elsevier, vol. 242(C).
  131. Liu, Funing & Sun, Chunxing, 2025. "Digital financial inclusion and the effect of impoverished borrowers’ behavior," Finance Research Letters, Elsevier, vol. 86(PA).
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