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Fintech Borrowers: Lax-Screening or Cream-Skimming?

Citations

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  1. Banasaz, Mohammadmahdi & Bose, Niloy & Sedaghatkish, Nazanin, 2025. "Identification of loan effects on personal finance: A case for small U.S. entrepreneurs," Journal of Economic Behavior & Organization, Elsevier, vol. 234(C).
  2. Wenli Li & Xiaoqing Zhou, 2026. "Investing in the Shadows: FinTech Growth and Mortgage Market Dynamics," Working Papers 2604, Federal Reserve Bank of Dallas.
  3. 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.
  4. Velic, Adnan, 2025. "Relative finance wages and inequality: A role for intangibles?," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 103(C).
  5. Kaur, Manmeet & Ahmad, Wasim & Hari, K.S. & Kattumuri, Ruth, 2024. "FinTech entrepreneurial ecosystem in India: Role of incubators and accelerators," Global Finance Journal, Elsevier, vol. 60(C).
  6. Franklin Allen & Meijun Qian, 2025. "Alternative finance in the international business context: a review and future research," Journal of International Business Studies, Palgrave Macmillan;Academy of International Business, vol. 56(1), pages 43-61, February.
  7. DeFusco, Anthony A. & Tang, Huan & Yannelis, Constantine, 2022. "Measuring the welfare cost of asymmetric information in consumer credit markets," Journal of Financial Economics, Elsevier, vol. 146(3), pages 821-840.
  8. Xia, Yufei & Han, Zhiyin & Li, Yawen & He, Lingyun, 2025. "Credit scoring model for fintech lending: An integration of large language models and FocalPoly loss," International Journal of Forecasting, Elsevier, vol. 41(3), pages 894-919.
  9. 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.
  10. Erel, Isil & Liebersohn, Jack, 2022. "Can FinTech reduce disparities in access to finance? Evidence from the Paycheck Protection Program," Journal of Financial Economics, Elsevier, vol. 146(1), pages 90-118.
  11. 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).
  12. 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.
  13. Anastasia Cozarenco & Ariane Szafarz, 2026. "Bias in Mission-Driven Finance: Discrimination or Mission Drift?," Journal of Business Ethics, Springer, vol. 203(1), pages 91-106, January.
  14. 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).
  15. Yunhui Wang & Yihua Chen, 2026. "Digital Financial Inclusion and Rural Household Debt Risks," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 31(2), pages 2012-2026, April.
  16. 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).
  17. 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.
  18. Bernhardt, Dan & Koufopoulos, Kostas & Trigilia, Giulio, 2022. "Separating equilibria, underpricing and security design," Journal of Financial Economics, Elsevier, vol. 145(3), pages 788-801.
  19. Argudo, Esteban, 2025. "Monetary policy transmission via nonbank lending: Evidence from peer-to-peer loans," Journal of Financial Stability, Elsevier, vol. 80(C).
  20. Mahbuba Aktar & Makram El-Shagi, 2026. "The Impact of BigTech and Fintech Credit on Income Inequality," CFDS Discussion Paper Series 2026/5, Center for Financial Development and Stability at Henan University, Kaifeng, Henan, China.
  21. William C. Johnson, 2025. "Fintech practices and banking regulation," Journal of Banking Regulation, Palgrave Macmillan, vol. 26(4), pages 721-731, December.
  22. Liu, Yulin & Li, Hebo & Wang, Cheng, 2025. "Digital financial inclusion and middle-income group vulnerability alleviation: Evidence from China," China Economic Review, Elsevier, vol. 89(C).
  23. 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).
  24. Hasan, Iftekhar & Kwak, Boreum & Li, Xiang, 2024. "Financial technologies and the effectiveness of monetary policy transmission," European Economic Review, Elsevier, vol. 161(C).
  25. Janbek, Khalil-Etienne & Bancel, Franck, 2024. "Fintech lenders and borrowers screening: Superior abilities or lax practices?," Finance Research Letters, Elsevier, vol. 63(C).
  26. Eid, Nourhan & Yang, Junhong & Duygun, Meryem, 2024. "Bridging the credit gap: The influence of regional bank structure on the expansion of peer-to-peer lending," The British Accounting Review, Elsevier, vol. 56(6).
  27. 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.
  28. 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.
  29. Matheus C Sampaio & Jose Renato H Ornelas, 2024. "Payment technology complementarities and their consequences on the banking sector: evidence from Brazil's Pix," BIS Papers chapters, in: Bank for International Settlements (ed.), Faster digital payments: global and regional perspectives, volume 127, pages 17-43, Bank for International Settlements.
  30. 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).
  31. 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).
  32. Mats Kröger, 2024. "Cream-skimming through PPAs – Interactions between Private and Public Long-term Contracts for Renewable Energy," Discussion Papers of DIW Berlin 2092, DIW Berlin, German Institute for Economic Research.
  33. Matheus C. Sampaio & Jose Renato Haas Ornelas, 2024. "Payment Technology Complementarities and their Consequences in the Banking Sector: evidence from Brazil’s Pix," Working Papers Series 600, Central Bank of Brazil, Research Department.
  34. PU, Zhengning & FEI, Jinhua, 2022. "The impact of digital finance on residential carbon emissions: Evidence from China," Structural Change and Economic Dynamics, Elsevier, vol. 63(C), pages 515-527.
  35. Padagnassou Simda & Gregory Gimpel, 2025. "Managing regulatory risks of small bank—fintech collaborations," Journal of Banking Regulation, Palgrave Macmillan, vol. 26(4), pages 827-839, December.
  36. Yuan, Gecheng & Fang, Jie & Sun, Yongping, 2024. "The impact of Fintech on the nexus between household debt and financial crises: A global perspective," Economic Modelling, Elsevier, vol. 130(C).
  37. Khakan Najaf & Alice Chin & Adrian Lean Wan Fook & Mohamed M. Dhiaf & Kaveh Asiaei, 2024. "Fintech and corporate governance: at times of financial crisis," Electronic Commerce Research, Springer, vol. 24(1), pages 605-628, March.
  38. 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).
  39. Dominic Cucic & Denis Gorea, 2024. "Non-bank lending and the transmission of monetary policy," BIS Working Papers 1211, Bank for International Settlements.
  40. Joshua Bosshardt & Ali Kakhbod & Amir Kermani, 2023. "The Value of Intermediaries for GSE Loans," NBER Working Papers 31575, National Bureau of Economic Research, Inc.
  41. 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.
  42. 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).
  43. 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.
  44. Toni Ahnert & Sebastian Doerr & Nicola Pierri & Yannick Timmer, 2026. "Information Technology in Banking and Entrepreneurship," Management Science, INFORMS, vol. 72(3), pages 1796-1813, March.
  45. 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.
  46. Choudhary, Priya & Thenmozhi, M., 2024. "Fintech and financial sector: ADO analysis and future research agenda," International Review of Financial Analysis, Elsevier, vol. 93(C).
  47. Krzysztof Waliszewski & Ewa Cichowicz & £ukasz Gêbski & Filip Kliber & Jakub Kubiczek & Pawe³ Niedzió³ka & Ma³gorzata Solarz & Anna Warchlewska, 2023. "The role of the Lendtech sector in the consumer credit market in the context of household financial exclusion," Oeconomia Copernicana, Institute of Economic Research, vol. 14(2), pages 609-643, June.
  48. 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.
  49. 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).
  50. Pascal Bougssere & Mamadou Toe & Wend-Kuuni Raïssa Yerbanga, 2024. "The influence of microcredit financing conditions on the financial performance of microenterprises in Burkina Faso," Post-Print hal-04692353, HAL.
  51. 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.
  52. 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.
  53. 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.
  54. Jiang, Wei & Tang, Yuehua & Xiao, Rachel J. & Yao, Vincent, 2025. "Surviving the fintech disruption," Journal of Financial Economics, Elsevier, vol. 171(C).
  55. Adnan Velic, 2023. "Wages and the Role of Intangibles in Finance," Trinity Economics Papers tep0323, Trinity College Dublin, Department of Economics.
  56. Gao, Cuiyun & Wang, Qian, 2023. "Does digital finance aggravate bank competition? Evidence from China," Research in International Business and Finance, Elsevier, vol. 66(C).
  57. Pelizzon, Loriana & Mattiello, Riccardo & Schlegel, Jonas, 2025. "Growth of non-bank financial intermediaries, financial stability, and monetary policy," SAFE Working Paper Series 458, Leibniz Institute for Financial Research SAFE.
  58. Panagiotis Avramidis & Nikolaos Mylonopoulos & George G. Pennacchi, 2022. "The Role of Marketplace Lending in Credit Markets: Evidence from Bank Mergers," Management Science, INFORMS, vol. 68(4), pages 3090-3111, April.
  59. Pelizzon, Loriana & Mattiello, Riccardo & Schlegel, Jonas, 2025. "Growth of non-bank financial intermediaries, financial stability, and monetary policy: Prepared for the ECB Forum," SAFE White Paper Series 114, Leibniz Institute for Financial Research SAFE.
  60. Fatima, Shumaila & Chakraborty, Madhumita, 2025. "Does mobile phone proficiency contribute to stock market participation? The role of payment convenience, liquidity, and social interaction," Economic Modelling, Elsevier, vol. 144(C).
  61. Brandon Goldstein & Julapa Jagtiani & Catharine Lemieux, 2025. "Fintech Innovations in Banking: Fintech Partnership and Default Rate on Bank Loans," Working Papers 25-21, Federal Reserve Bank of Philadelphia.
  62. Luo, Yan & Jiang, Chuyu & Jun, Xiao & Zhao, Yang, 2025. "Does investment in consumer finance companies impact credit allocation of banks? Evidence from China," Economic Modelling, Elsevier, vol. 150(C).
  63. Donou-Adonsou, Ficawoyi & Leslie-Piper, Neleen, 2025. "BNPL and financial fragility in U.S. households," Finance Research Letters, Elsevier, vol. 86(PA).
  64. Kakhkharov, Jakhongir & Bianchi, Robert J., 2022. "COVID-19 and policy responses: Early evidence in banks and FinTech stocks," Pacific-Basin Finance Journal, Elsevier, vol. 74(C).
  65. 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.
  66. 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.).
  67. Zhao, Yuliang & Ma, Furong, 2025. "Will fintech enhance financial regulation?," Research in International Business and Finance, Elsevier, vol. 78(C).
  68. Elliehausen, Gregory & Hannon, Simona M., 2024. "FinTech and banks: Strategic partnerships that circumvent state usury laws," Finance Research Letters, Elsevier, vol. 64(C).
  69. Julian Caballero & Sebastian Doerr & Aaron Mehrotra & Fabrizio Zampolli, 2025. "How far can digital innovation improve credit to small firms in emerging market economies?," BIS Bulletins 99, Bank for International Settlements.
  70. Cho Man, 2024. "Three Waves of FinTech Innovations and Their Implications for Financial Frauds and Anomalies," International Review of Financial Consumers, Sciendo, vol. 9(2), pages 1-18.
  71. Tobias Berg & Andreas Fuster & Manju Puri, 2022. "FinTech Lending," Annual Review of Financial Economics, Annual Reviews, vol. 14(1), pages 187-207, November.
  72. Zack Jourdan & J. Ken. Corley & Randall Valentine & Arthur M. Tran, 2023. "Fintech: A content analysis of the finance and information systems literature," Electronic Markets, Springer;IIM University of St. Gallen, vol. 33(1), pages 1-21, December.
  73. Bank for International Settlements, 2024. "Literature review on financial technology and competition for banking services," BCBS Working Papers 43, Bank for International Settlements.
  74. Joseph P. Hughes & Julapa Jagtiani & Choon-Geol Moon, 2022. "Consumer lending efficiency: commercial banks versus a fintech lender," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 8(1), pages 1-39, December.
  75. Yan, Kai & Zhang, Ziyi & Yang, Lisi & Cao, Yuqiang & Shan, Yaowen, 2024. "Capital generates green: Evidence from China's national innovation system policy," International Review of Financial Analysis, Elsevier, vol. 91(C).
  76. Li, Rongda & He, Jing, 2024. "FinTech development and household resilience to negative income shocks: The role of informal risk sharing," International Review of Economics & Finance, Elsevier, vol. 94(C).
  77. Du, Yanan & Wang, Qingxi & Zhou, Jianping, 2023. "How does digital inclusive finance affect economic resilience: Evidence from 285 cities in China," International Review of Financial Analysis, Elsevier, vol. 88(C).
  78. Yang, Keer, 2025. "Trust as an entry barrier: Evidence from FinTech adoption," Journal of Financial Economics, Elsevier, vol. 169(C).
  79. Pierri, Nicola & Timmer, Yannick, 2022. "The importance of technology in banking during a crisis," Journal of Monetary Economics, Elsevier, vol. 128(C), pages 88-104.
  80. Cuadros-Solas, Pedro J. & Cubillas, Elena & Salvador, Carlos, 2023. "Does alternative digital lending affect bank performance? Cross-country and bank-level evidence," International Review of Financial Analysis, Elsevier, vol. 90(C).
  81. Cumming, Douglas J. & Sewaid, Ahmed, 2021. "FinTech loans, self-employment, and financial performance," CFS Working Paper Series 667, Center for Financial Studies (CFS).
  82. Massimiliano Affinito & Federica Sabbi & Raffaele Santioni & Francesco Santorelli, 2024. "Types of consumer credit and bank distribution channels: insights from Italy," Questioni di Economia e Finanza (Occasional Papers) 879, Bank of Italy, Economic Research and International Relations Area.
  83. Zhuang Liu & Michael Sockin & Wei Xiong, 2021. "Data Privacy and Temptation," Working Papers 2021-77, Princeton University. Economics Department..
  84. Bernhardt, Dan & Koufopoulos, Kostas & Trigilia, Giulio, 2021. "Profiting from the poor in competitive lending markets with adverse selection," The Warwick Economics Research Paper Series (TWERPS) 1328, University of Warwick, Department of Economics.
  85. Paul Beaumont & Huan Tang & Eric Vansteenberghe, "undated". "Effets collatéraux : le rôle des Fintechs dans le financement des petites et moyennes entreprises," Analyse et synthèse 157, Banque de France.
  86. Beyene, Winta, 2025. "Disasters and lending signals: From borrower information to community characteristics," SAFE Working Paper Series 455, Leibniz Institute for Financial Research SAFE.
  87. Fu, Jonathan & Mishra, Mrinal, 2022. "Fintech in the time of COVID−19: Technological adoption during crises," Journal of Financial Intermediation, Elsevier, vol. 50(C).
  88. Soojin Park & Prida Erni Kesuma & Man Cho, 2021. "Did Financial Consumers Benefit from the Digital Transformation? An Empirical Investigation," IJFS, MDPI, vol. 9(4), pages 1-18, October.
  89. Deng, Jiapin & Liu, Yanchu, 2022. "Does digital finance reduce the employment in the finance industry? Evidence from China," Finance Research Letters, Elsevier, vol. 48(C).
  90. Yamin Xie, 2025. "Digital Inclusive Finance Drives Green Innovation: Pathways and Mechanisms for Sustainable Development," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 16(4), pages 14867-14906, October.
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  92. Chava, Sudheer & Ganduri, Rohan & Paradkar, Nikhil & Zhang, Yafei, 2021. "Impact of marketplace lending on consumers’ future borrowing capacities and borrowing outcomes," Journal of Financial Economics, Elsevier, vol. 142(3), pages 1186-1208.
  93. Li, Yuan & Wong, Tak-Yuen & Zhao, Siqi, 2025. "Present bias: Understanding zero leverage policy and unstable capital structure," Journal of Mathematical Economics, Elsevier, vol. 119(C).
  94. Bosshardt, Joshua & Kakhbod, Ali & Kermani, Amir, 2025. "Do intermediaries improve GSE lending? Evidence from proprietary GSE data," Journal of Financial Economics, Elsevier, vol. 170(C).
  95. 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).
  96. 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).
  97. Vives, Xavier & Ye, Zhiqiang, 2025. "Fintech entry, lending market competition, and welfare," Journal of Financial Economics, Elsevier, vol. 168(C).
  98. 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 Economiques et financiers 42, Banque de France.
  99. Wang, Yichen & Hu, Jun & Chen, Jia, 2023. "Does Fintech facilitate cross-border M&As? Evidence from Chinese A-share listed firms," International Review of Financial Analysis, Elsevier, vol. 85(C).
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  102. Li, Shigang & Peng, Fanjia & Wu, Binzhen & Yang, Longjian, 2025. "Closing the information gap: Tax data sharing and small business finance," Journal of Economic Behavior & Organization, Elsevier, vol. 240(C).
  103. Xu, Yong & Kou, Gang & Ergu, Daji, 2025. "Profit-based uncertainty estimation with application to credit scoring," European Journal of Operational Research, Elsevier, vol. 325(2), pages 303-316.
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