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The Rise of Finance Companies and FinTech Lenders in Small Business Lending

Citations

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Cited by:

  1. Carletti, Elena & Leonello, Agnese & Marquez, Robert, 2023. "Loan guarantees, bank underwriting policies and financial stability," Journal of Financial Economics, Elsevier, vol. 149(2), pages 260-295.
  2. 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).
  3. 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).
  4. Greg Buchak & Gregor Matvos & Tomasz Piskorski & Amit Seru, 2024. "Aggregate Lending and Modern Financial Intermediation: Why Bank Balance Sheet Models Are Miscalibrated," NBER Macroeconomics Annual, University of Chicago Press, vol. 38(1), pages 239-287.
  5. Gaffney, Edward & McGeever, Niall, 2022. "The SME-lender relationship network in Ireland," Financial Stability Notes 14/FS/22, Central Bank of Ireland.
  6. 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.
  7. Zhao, Meiyu & Zhang, Bo, 2023. "Credit corruption, financial constraint and corporate innovation: Evidence on China," Finance Research Letters, Elsevier, vol. 53(C).
  8. 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.
  9. 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.
  10. Akcigit, Ufuk & Chhina, Raman S. & Cilasun, Seyit Mümin & Miranda, Javier & Serrano-Velarde, Nicolas, 2025. "Credit card entrepreneurs," IWH Discussion Papers 5/2025, Halle Institute for Economic Research (IWH).
  11. Wu, Xinhong & Wu, Xinmei, 2025. "How does bank digitalization benefit firm borrowing? Evidence from China," Economic Modelling, Elsevier, vol. 153(C).
  12. Dominic Cucic & Denis Gorea, 2024. "Non-bank lending and the transmission of monetary policy," BIS Working Papers 1211, Bank for International Settlements.
  13. 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).
  14. Karim, Sitara & Lucey, Brian M., 2024. "BigTech, FinTech, and banks: A tangle or unity?," Finance Research Letters, Elsevier, vol. 64(C).
  15. Isha Agarwal & Malin Hu & Raluca Roman & Keling Zheng, 2023. "Lending by Servicing: Monetary Policy Transmission Through Shadow Banks," Working Papers 23-14, Federal Reserve Bank of Philadelphia.
  16. Li, Jieying & Myers, Samantha, 2025. "Shadow banks or just not banks? Growth of the Swedish non-bank sector," Working Paper Series 448, Sveriges Riksbank (Central Bank of Sweden).
  17. del Angel, Marco & Richardson, Gary & Gou, Michael, 2024. "Bank failures and economic activity: Evidence from the Progressive Era," Explorations in Economic History, Elsevier, vol. 94(C).
  18. 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.
  19. Goncharenko, Roman & Lukmanova, Elizaveta, 2026. "When the Spare Tyre Goes Flat: Monetary Policy Transmission through Non-Banks," Research Technical Papers 02/RT/26, Central Bank of Ireland.
  20. Hossain, Mohammad Razib & Ben Jabeur, Sami & Si Mohammed, Kamel & Shahzad, Umer, 2024. "Time-varying relatedness and structural changes among green growth, clean energy innovation, and carbon market amid exogenous shocks: A quantile VAR approach," Technological Forecasting and Social Change, Elsevier, vol. 208(C).
  21. Sharjil M. Haque & Young Soo Jang & Jessie Jiaxu Wang, 2025. "Indirect Credit Supply: How Bank Lending to Private Credit Shapes Monetary Policy Transmission," Finance and Economics Discussion Series 2025-059, Board of Governors of the Federal Reserve System (U.S.).
  22. Huang, Yiping & Li, Xiang & Qiu, Han & Yu, Changhua, 2023. "BigTech credit and monetary policy transmission: Micro-level evidence from China," BOFIT Discussion Papers 2/2023, Bank of Finland Institute for Emerging Economies (BOFIT).
  23. Goncharenko, Roman & Lukamanova, Elizaveta, 2025. "Monetary Policy Pass-Through to Lending Rates: Evidence from the Irish Central Credit Register," Economic Letters 1/EL/25, Central Bank of Ireland.
  24. Alperovych, Yan & Divakaruni, Anantha & Le Grand, François, 2022. "FinTech Lending under Austerity," SocArXiv atsk9, Center for Open Science.
  25. Zhang, Meng, 2025. "The impact of digital financial inclusion on equity of opportunity in education," Finance Research Letters, Elsevier, vol. 85(PE).
  26. Ahn, JaeBin & Kim, Youngju & Lim, Hyunjoon, 2025. "Assessing the bank lending channel of macroprudential policy: Evidence from the loan-to-deposit ratio regulation in Korea," Journal of Banking & Finance, Elsevier, vol. 180(C).
  27. repec:osf:osfxxx:m4tps_v1 is not listed on IDEAS
  28. Davydiuk, Tetiana & Marchuk, Tatyana & Rosen, Samuel, 2024. "Direct lenders in the U.S. middle market," Journal of Financial Economics, Elsevier, vol. 162(C).
  29. Iñaki Aldasoro & Sebastian Doerr & Haonan Zhou, 2025. "Non-bank lending during crises," Review of Finance, European Finance Association, vol. 29(6), pages 1809-1832.
  30. Zhou, Ruogu & Li, Jialing, 2024. "Fintech and dynamic adjustment of capital structure," Finance Research Letters, Elsevier, vol. 67(PA).
  31. Ahnert, Toni & Doerr, Sebastian & Pierri, Nicola & Timmer, Yannick, 2022. "Information Technology in Banking and Entrepreneurship," CEPR Discussion Papers 17335, C.E.P.R. Discussion Papers.
  32. 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).
  33. repec:osf:socarx:atsk9_v1 is not listed on IDEAS
  34. 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).
  35. 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).
  36. 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.
  37. Divakaruni, Anantha & Alperovych, Yan & Le Grand, François, 2022. "FinTech Lending under Austerity," OSF Preprints m4tps, Center for Open Science.
  38. Vives, Xavier & Ye, Zhiqiang, 2025. "Fintech entry, lending market competition, and welfare," Journal of Financial Economics, Elsevier, vol. 168(C).
  39. 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.
  40. Lin, Xiangyu & Zhang, S. Sarah & Zachariadis, Markos, 2025. "Open data and API adoption of U.S. banks," Journal of Financial Intermediation, Elsevier, vol. 63(C).
  41. Viral V. Acharya & Nicola Cetorelli & Bruce Tuckman, 2024. "Where Do Banks End and NBFIs Begin?," NBER Working Papers 32316, National Bureau of Economic Research, Inc.
  42. Gaibulloev, Khusrav & Mirzaei, Ali & Moore, Tomoe & Saad, Mohsen, 2025. "The effect of fintech financing on firm performance: Evidence from emerging economies," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 103(C).
  43. Dominic Russel & Claire Shi & Rowan Clarke, 2025. "Fintech and financial frictions the rise of revenuebased financing," Working Papers 11078, South African Reserve Bank.
  44. Nicola Cetorelli & Saketh Prazad, 2024. "The Nonbank Footprint of Banks," Staff Reports 1118, Federal Reserve Bank of New York.
  45. Bednarek, Peter & Briukhova, Olga & Ongena, Steven & Westernhagen, Natalja v., 2025. "Effects of bank capital requirements on lending by banks and non-bank financial institutions," Journal of Financial Intermediation, Elsevier, vol. 63(C).
  46. 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.
  47. Tan, Weijie & Tang, Qiuyu & Sun, Wanting & Du, Xuanyu, 2025. "Unintended consequences: Examining the effects of government digital regulation on corporate fintech innovation in China," Emerging Markets Review, Elsevier, vol. 64(C).
  48. Jiang, Bo, 2024. "The real effect of shadow banking regulation: Evidence from China," Emerging Markets Review, Elsevier, vol. 59(C).
  49. Yang, Xiuyun & Li, Min & Liang, Shanshan, 2024. "How consumers’ digital engagement affects regional innovation capacity in China?," Economic Modelling, Elsevier, vol. 139(C).
  50. Çağlar Hamarat & Daniel Broby, 2022. "Regulatory constraint and small business lending: do innovative peer-to-peer lenders have an advantage?," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 8(1), pages 1-25, December.
  51. Nurul Hidayana Mohd Noor & Syeliya Md Zaini & Noralina Omar & Raja Mayang Delima Mohd Beta & Lee Wei Chang, 2024. "Assessing Financial Literacy of Female Entrepreneurs in Informal Economy: Empirical Evidence from Micro Business in Malaysia," Information Management and Business Review, AMH International, vol. 16(3), pages 1036-1049.
  52. Liu, Zhuang & Li, Rongnan & Zhou, Jinlan & Liu, Yue, 2025. "The risk management effect of bank fintech: Evidence from stock price crash risk," International Review of Financial Analysis, Elsevier, vol. 99(C).
  53. Berrospide, Jose M. & Edge, Rochelle M., 2024. "Bank capital buffers and lending, firm financing and spending: What can we learn from five years of stress test results?✰," Journal of Financial Intermediation, Elsevier, vol. 57(C).
  54. 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).
  55. Alexander Cuntz & Alessio Muscarnera & Prince C. Oguguo & Matthias Sahli, 2023. "IP assets and film finance - a primer on standard practices in the U.S," WIPO Economic Research Working Papers 74, World Intellectual Property Organization - Economics and Statistics Division.
  56. Rasha Ashraf, 2024. "Bank Customer Churn Prediction Using Machine Learning Framework," Journal of Applied Finance & Banking, SCIENPRESS Ltd, vol. 14(4), pages 1-5.
  57. Kumar, Amit & Operti, Elisa, 2025. "Recessions, institutions, and regional exploration," Research Policy, Elsevier, vol. 54(3).
  58. Koranteng, Barbara & You, Kefei, 2024. "Fintech and financial stability: Evidence from spatial analysis for 25 countries," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 93(C).
  59. Min Jiang & Wei Zhou, 2024. "Exploring the Relationship between Digital Inclusive Finance and Traditional Finance in China," International Business Research, Canadian Center of Science and Education, vol. 17(3), pages 1-13, June.
  60. Sachin Kumar Sharma & P. Vigneswara Ilavarasan & Stan Karanasios, 2024. "Small businesses and FinTech: a systematic review and future directions," Electronic Commerce Research, Springer, vol. 24(1), pages 535-575, March.
  61. Fang, Jianyu & Zhu, Jialiang, 2023. "The impact of open banking on traditional lending in the BRICS," Finance Research Letters, Elsevier, vol. 58(PA).
  62. Hu, Yunzhi & Varas, Felipe, 2025. "Intermediary financing without commitment," Journal of Financial Economics, Elsevier, vol. 167(C).
  63. Vives, Xavier & Ye, Zhiqiang, 2025. "Information technology and lender competition," Journal of Financial Economics, Elsevier, vol. 163(C).
  64. Chernenko, Sergey & Scharfstein, David, 2024. "Racial disparities in the Paycheck Protection Program," Journal of Financial Economics, Elsevier, vol. 160(C).
  65. Wang, Qi & Liu, Ming & Xie, Kai, 2025. "Disappearing bank Branches: Evidence from China household finance survey," International Review of Economics & Finance, Elsevier, vol. 98(C).
  66. Jiang, Wei & Tang, Yuehua & Xiao, Rachel J. & Yao, Vincent, 2025. "Surviving the fintech disruption," Journal of Financial Economics, Elsevier, vol. 171(C).
  67. Minnis, Michael & Sutherland, Andrew G. & Vetter, Felix W., 2024. "Financial statements not required," Journal of Accounting and Economics, Elsevier, vol. 78(2).
  68. Lai, Shaojie & Chen, Lihan & Wang, Qing Sophie & Anderson, Hamish D., 2023. "Bank competition and corporate employment: Evidence from the geographic distribution of bank branches in China," Journal of Banking & Finance, Elsevier, vol. 154(C).
  69. Biswas, Sonny & Ozkan, Neslihan & Yin, Junyang, 2025. "Non-bank lending and firm performance: Evidence from the syndicate loan market," Journal of Banking & Finance, Elsevier, vol. 181(C).
  70. Yao, Jian & Yang, Cunyi, 2025. "Financial technology and climate risks in the financial market," International Review of Financial Analysis, Elsevier, vol. 99(C).
  71. 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).
  72. Nataliya Karpenko & Maryna Ivannikova, 2023. "Entrepreneurial forms of interaction between market participants," Management and Business Articles, Management and Business, vol. 1(2), pages 97-106, November.
  73. Hu, Mingya & Zhang, Yongjie & Feng, Xu & Xiong, Xiong, 2024. "How technological innovation influence operational risk: Evidence from banks in China," International Review of Financial Analysis, Elsevier, vol. 95(PB).
  74. Carletti, Elena & Leonello, Agnese & Marquez, Robert, 2023. "Loan guarantees, bank underwriting policies and financial fragility," Working Paper Series 2782, European Central Bank.
  75. Jose J. Canals-Cerda & Brian Jonghwan Lee, 2025. "Who Provides Credit in Times of Crisis? Evidence from the Auto Loan Market," Working Papers 25-06, Federal Reserve Bank of Philadelphia.
  76. Chen, Wen & Wu, Weili & Zhang, Tonghui, 2023. "Fintech development, firm digitalization, and bank loan pricing," Journal of Behavioral and Experimental Finance, Elsevier, vol. 39(C).
  77. Richard Simmons, 2024. "Monetary Transmission & Small Firm Credit Rationing: The Stablecoin Opportunity to Raise Business Credit Flows," FinTech, MDPI, vol. 3(3), pages 1-28, August.
  78. Iñaki Aldasoro & Sebastian Doerr, 2025. "Collateralized lending in private credit," BIS Working Papers 1267, Bank for International Settlements.
  79. Alessandro Bitetto & Paola Cerchiello & Stefano Filomeni & Alessandra Tanda & Barbara Tarantino, 2024. "Can we trust machine learning to predict the credit risk of small businesses?," Review of Quantitative Finance and Accounting, Springer, vol. 63(3), pages 925-954, October.
  80. Amberg, Niklas & Becker, Bo, 2024. "Banking Without Branches," Working Paper Series 430, Sveriges Riksbank (Central Bank of Sweden), revised 01 Sep 2025.
  81. Kutzbach, Mark J. & Pogach, Jonathan, 2024. "Financial technology and relationship lending: Complements or substitutes?," Journal of Financial Intermediation, Elsevier, vol. 59(C).
  82. Demerjian, Peter, 2024. "Financial statements vs. FinTech: A discussion of Minnis, Sutherland, and Vetter," Journal of Accounting and Economics, Elsevier, vol. 78(2).
  83. Sachdeva, Kunal & Silva, André F. & Slutzky, Pablo & Xu, Billy Y., 2025. "Defunding controversial industries: Can targeted credit rationing choke firms?," Journal of Financial Economics, Elsevier, vol. 172(C).
  84. Wu, Fei & Hu, Yan & Shen, Me, 2024. "The color of FinTech: FinTech and corporate green transformation in China," International Review of Financial Analysis, Elsevier, vol. 94(C).
  85. Liebersohn, Jack, 2024. "How does competition affect retail banking? Quasi-experimental evidence from bank mergers," Journal of Financial Economics, Elsevier, vol. 154(C).
  86. John M. Griffin & Samuel Kruger & Prateek Mahajan, 2023. "Did FinTech Lenders Facilitate PPP Fraud?," Journal of Finance, American Finance Association, vol. 78(3), pages 1777-1827, June.
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