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  1. Finanzielle Allgemeinbildung, Finanzielle Inklusion, FinTech und SDG
    ein holistischer Rahmen
    Autor*in: Treu, Johannes
    Erschienen: [2023]
    Verlag:  IU Internationale Hochschule, Erfurt

    Financial literacy, financial inclusion, FinTech, and the UN Sustainable Development Goals (SDGs) have so far only been examined in pairs or individually. A consideration of all four points with their interrelationships and impacts has been lacking.... mehr

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    Financial literacy, financial inclusion, FinTech, and the UN Sustainable Development Goals (SDGs) have so far only been examined in pairs or individually. A consideration of all four points with their interrelationships and impacts has been lacking. With the help of a deductive argumentative approach, an attempt will be made to take a coherent look at all four aspects. The aim is to develop a holistic framework for achieving the SDGs through financial literacy, financial inclusion, and FinTech. The argumentation shows that there are multi-layered theoretical as well as empirical relationships between all four objects of investigation. A previous silo thinking or a bilateral approach does not go far enough to comprehensively understand the effects. The starting point of a holistic view in this paper is financial literacy because, without it, no positive relationship between financial inclusion, FinTech, and the SDGs can be achieved. Financial literacy thus promotes the use and application of fintech, contributes to financial inclusion, and supports the achievement of the SDGs. The holistic framework can also be used to derive policy recommendations. Decision-makers should take a holistic view of all four points and start with the promotion and expansion of financial education.

     
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    hdl: 10419/271064
    Schriftenreihe: Array ; vol. 3, issue 2 (April 2023)
    Schlagworte: Finanzielle Allgemeinbildung; Finanzielle Inklusion; FinTech; Finanztechnologie und SDG
    Umfang: 1 Online-Ressource (circa 41 Seiten), Illustrationen
  2. FinTech, investor sophistication and financial portfolio choices
    Autor*in: Gambacorta, Leonardo; Gambacorta, Romina; Mihet, Roxana
    Erschienen: April 2023
    Verlag:  Bank for International Settlements, Monetary and Economic Department, [Basel]

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    Schriftenreihe: BIS working papers ; no 1091
    Schlagworte: Inequality; Inclusion; FinTech; Innovation; Matthew Effect
    Umfang: 1 Online-Ressource (circa 62 Seiten), Illustrationen
  3. Fintech and inclusive growth
    evidence from 25 Asian developing countries
    Autor*in: Parvez, Md. Al-Amin; Katha, Evanta Hashem; Shaeba, Mashrura Kabir; Hossain, Md. Sajjad
    Erschienen: [2023]
    Verlag:  Asian Development Bank Institute, Tokyo, Japan

    The primary objective of this study is to unveil the impact of FinTech through financial development, financial inclusion, and institutional quality on the inclusive growth of 25 developing countries in Asia. To serve this purpose, the Human... mehr

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    The primary objective of this study is to unveil the impact of FinTech through financial development, financial inclusion, and institutional quality on the inclusive growth of 25 developing countries in Asia. To serve this purpose, the Human Development Index (HDI), the dependent variable, has been taken as the proxy for inclusive growth along with a set of independent variables in a well-balanced panel data set, which is then analyzed to see the impact of changing levels of independent variables on human development for the period 2014-2021. The results show that increasing the level of FinTech along with the Findex, financial inclusion, and institutional quality may increase human development.

     
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    Schriftenreihe: ADBI working paper series ; no. 1385 (May 2023)
    Schlagworte: FinTech; financial inclusion; inequality; panel data model; Hausman test
    Umfang: 1 Online-Ressource (circa 20 Seiten)
  4. Fintech and bank stability in a small-open economy context
    the case of Kenya
    Autor*in: Osoro, Jared; Cheruiyot, Kiplangat Josea
    Erschienen: May 2023
    Verlag:  Kenya Bankers Association, Nairobi

    This paper seeks to examine the effect of Fintech credit on bank stability using an unbalanced panel dataset of 37 commercial banks in Kenya between 2013 and 2020. The recent evolution of Fintech comes with the promise of being both revolutionary and... mehr

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    This paper seeks to examine the effect of Fintech credit on bank stability using an unbalanced panel dataset of 37 commercial banks in Kenya between 2013 and 2020. The recent evolution of Fintech comes with the promise of being both revolutionary and disruptive. The temptation of a unidirectional expectation that effects of Fintech will only be positive masks the potential destabilization effects, hence the motivation to examine possibility of its being a source of fragility in the banking sector in Kenya. We employ both static panel models and a dynamic panel of System Generalized Method of Moments (GMM) that lead us to the conclusion that Fintech credit has not occasioned concerns of market fragility. If anything, the empirical results reveal that the FinTech credit is associated with higher bank stability in the sense that FinTech intermediated credit is associated with a higher Z-score suggesting higher overall bank stability. The relationship is however nonlinear, with the squared term of the FinTech credit being negative and statistically significant. We infer that the influence of FinTech on bank stability is inverted "U" type relationship. Bank-specific factors such as equity to assets, asset quality and cost-to-income rations having a strong influence on bank stability. That is a pointer to the possibility of the current magnitude of Fintech credit - the possible conduit of instability - not being associated with fragility, with the likelihood of that changing as the its share of bank assets grows with time.

     
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    Schriftenreihe: KBA Centre for Research on Financial Markets and Policy working paper series ; WPS, 23, 06 = 69
    Schlagworte: Bank Stability; FinTech; Kenya
    Umfang: 1 Online-Ressource (circa 24 Seiten), Illustrationen
  5. FinTech, investor sophistication and financial portfolio choices
    Autor*in: Gambacorta, Leonardo; Gambacorta, Romina; Mihet, Roxana
    Erschienen: [2023]
    Verlag:  Banca d'Italia, [Rom]

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    Schriftenreihe: Questioni di economia e finanza / Banca d'Italia ; number 763 (April 2023)
    Schlagworte: inequality; inclusion; FinTech; innovation; Matthew effect
    Umfang: 1 Online-Ressource (circa 64 Seiten), Illustrationen
  6. Monetary Policy Transmission Through Online Banks
    Autor*in: Erel, Isil; Liebersohn, Jack; Yannelis, Constantine; Earnest, Samuel
    Erschienen: [2023]
    Verlag:  SSRN, [S.l.]

    Financial technology has been reshaping commercial banking. It has the potential to radically alter the transmission of monetary policy, by lowering search costs and expanding bank markets. This paper studies the reaction of online banks to changes... mehr

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    Financial technology has been reshaping commercial banking. It has the potential to radically alter the transmission of monetary policy, by lowering search costs and expanding bank markets. This paper studies the reaction of online banks to changes in federal fund rates. We find that these banks increase rates that they offer on deposits significantly more than traditional banks do. A 100 basis points increase in federal fund rate leads to a 30 basis points larger increase in rates of online banks. Consistent with the rate movements, online bank deposits experience inflows, while traditional banks experience outflows during monetary tightening of 2022. The findings are consistent across banking markets of different competitiveness and demographics. Our findings shed new light on the role of online banks in interest rate pass-through and deposit channel of monetary policy

     
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    Schriftenreihe: Fisher College of Business Working Paper ; No. 2023-03-015
    Schlagworte: Electronic Banking; Geldpolitik; Geldpolitische Transmission; USA; Financial Technology; FinTech; Digitalization; Passtrough; Commercial Banks; Deposit Channel
    Weitere Schlagworte: Array
    Umfang: 1 Online-Ressource (57 p)
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    Nach Informationen von SSRN wurde die ursprüngliche Fassung des Dokuments May 25, 2023 erstellt
  7. FinTech Lending with LowTech Pricing
    Autor*in: Johnson, Mark J.; Ben-David, Itzhak; Lee, Jason; Yao, Wenxiong
    Erschienen: [2023]
    Verlag:  SSRN, [S.l.]

    FinTech lending—known for using big data and advanced technologies—promised to break away from the traditional credit scoring and pricing models. Using a comprehensive dataset of FinTech personal loans, our study shows that loan rates continue to... mehr

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    FinTech lending—known for using big data and advanced technologies—promised to break away from the traditional credit scoring and pricing models. Using a comprehensive dataset of FinTech personal loans, our study shows that loan rates continue to rely heavily on conventional credit scores, including 45% higher rates for nonprime borrowers. Other known default predictors are often neglected. Within each segment (prime/nonprime) loan rates are not very responsive to default risk, resulting in realized loan-level returns decreasing with risk. The pricing distortions result in substantial transfers from nonprime to prime borrowers and from low- to high-risk borrowers within segment

     
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    Schriftenreihe: Fisher College of Business Working Paper ; No. 2023-03-008
    Schlagworte: Finanztechnologie; Finanzdienstleistung; Kreditgeschäft; Preismanagement; FinTech; Personal loans; Credit score; Nonprime borrowers; Market segmentation
    Weitere Schlagworte: Array
    Umfang: 1 Online-Ressource (52 p)
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    Nach Informationen von SSRN wurde die ursprüngliche Fassung des Dokuments April 11, 2023 erstellt
  8. Marketplace lending: a resilient alternative in the face of natural disasters?
    Autor*in: Abedifar, Pejman; Doustali, Hossein; Ongena, Steven
    Erschienen: [2023]
    Verlag:  Swiss Finance Institute, Geneva

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    Auflage/Ausgabe: This draft: September 5, 2023
    Schriftenreihe: Swiss Finance Institute research paper series ; no 23, 78
    Schlagworte: Marketplace Lending; FinTech; Natural Disasters; Access to Finance; Credit Risk Assessment
    Umfang: 1 Online-Ressource (circa 48 Seiten), Illustrationen
  9. Does FinTech reduce human biases?
    evidence from two quasi-experiments
    Autor*in: Chen, Yanting; Dong, Yingwei; Hu, Jiayin; Huang, Yiping
    Erschienen: 2023-03-20
    Verlag:  National School of Development, Peking University, [Beijing]

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    Schriftenreihe: Working paper series / China Center for Economic Research ; $lE 2023, 010
    Schlagworte: FinTech; algorithm; human biases; lending; quasi-experiments
    Umfang: 1 Online-Ressource (circa 44 Seiten), Illustrationen
  10. Open banking, shadow banking and regulation
    Autor*in: Eccles, Peter; Grout, Paul A.; Siciliani, Paolo; Zalewska-Mitura, Anna
    Erschienen: [2023]
    Verlag:  Bank of England, London

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    Schriftenreihe: Staff working paper / Bank of England ; no. 1039 (September 2023)
    Schlagworte: Capital requirements; banking; open banking; shadow banking; competition; FinTech
    Umfang: 1 Online-Ressource (circa 31 Seiten)
  11. FinTech and banks
    strategic partnerships that circumvent state usury laws
    Autor*in: Elliehausen, Gregory E.; Hannon, Simona M.
    Erschienen: August 29, 2023
    Verlag:  Divisions of Research & Statistics and Monetary Affairs, Federal Reserve Board, Washington, D.C.

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    Schriftenreihe: Finance and economics discussion series ; 2023, 056
    Schlagworte: Consumer Credit]; Access to Credit]; Interest Rate Cap]; Financial Regulation]; FinTech
    Umfang: 1 Online-Ressource (circa 45 Seiten), Illustrationen
  12. Technological innovation and the bank lending channel of monetary policy transmission
    Autor*in: Hasan, Iftekhar; Li, Xiang; Takalo, Tuomas
    Erschienen: 20 December 2023
    Verlag:  BOFIT, the Bank of Finland Institute for Emerging Economies, Helsinki

    This paper studies whether and how banks' technological innovations affect the bank lending channel of monetary policy transmission. We first provide a theoretical model in which banks' technological innovation relaxes firms' earning-based borrowing... mehr

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    This paper studies whether and how banks' technological innovations affect the bank lending channel of monetary policy transmission. We first provide a theoretical model in which banks' technological innovation relaxes firms' earning-based borrowing constraints and thereby enlarges the response of banks' lending to monetary policy changes. To test the empirical implications, we construct a patent-based measurement of bank-level technological innovation, which can specify the nature of technology and tell whether it is related to the bank's lending business. We find that lending-related innovations significantly strengthen the transmission of the bank lending channel.

     
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    hdl: 10419/280960
    Schriftenreihe: BOFIT discussion papers ; 2023, 9
    Schlagworte: Innovation; FinTech; Monetary Policy Transmission; Bank Lending Channel
    Umfang: 1 Online-Ressource (circa 41 Seiten), Illustrationen
  13. The development of innovations and financial technology in the digital economy
    monograph
    Erschienen: 2023
    Verlag:  OÜ Scientific Center of Innovative Research, Pussi, Estonia

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    ISBN: 9789916973974
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    Schlagworte: digital economy; digital society; digital competences; blockchain; blockchain technology; development; economic security; innovation; FinTech; digital infrastructure; electronic document flow; antifraud
    Umfang: 1 Online-Ressource (circa 230 Seiten), Illustrationen
  14. Fast and furious
    a high-frequency analysis of Robinhood users' trading behavior
    Autor*in: Ardia, David; Aymard, Clément; Cenesizoglu, Tolga
    Erschienen: [2023]
    Verlag:  GERAD, HÉC Montréal, Montréal (Québec), Canada

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    Schriftenreihe: Les cahiers du GERAD ; G-2023, 51 (November 2023)
    Schlagworte: Attention-induced trading; Robinhood; retail investors; high-frequency data; reaction speed; FinTech
    Umfang: 1 Online-Ressource (circa 27 Seiten), Illustrationen