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Displaying results 1 to 4 of 4.

  1. Do Fintech lenders penetrate areas that are underserved by traditional banks?
    Author: Jagtiani, Julapa; Lemieux, Catharine M.
    Published: March 2018
    Publisher:  Research Department, Federal Reserve Bank of Philadelphia, Philadelphia, PA

    Supersedes Working Paper 17-17 Fintech has been playing an increasing role in shaping financial and banking landscapes. In this paper, we use account-level data from LendingClub and Y-14M data reported by U.S. banks with assets over $50 billion to... more

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    Helmut-Schmidt-Universität, Universität der Bundeswehr Hamburg, Universitätsbibliothek
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    Location:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signature:
    VS 438 (18,13)
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    Supersedes Working Paper 17-17 Fintech has been playing an increasing role in shaping financial and banking landscapes. In this paper, we use account-level data from LendingClub and Y-14M data reported by U.S. banks with assets over $50 billion to examine whether the fintech lending platform could expand credit access to consumers. We find that LendingClub’s consumer lending activities have penetrated areas that may be underserved by traditional banks, such as in highly concentrated markets and in areas that have fewer bank branches per capita. We also find that the portion of LendingClub loans increases in areas where the local economy is not performing well

     
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Series: Working paper / Research Department, Federal Reserve Bank of Philadelphia ; 18, 13 (March 2018)
    FRB of Philadelphia Working Paper ; No. 18-13
    Subjects: fintech; LendingClub; marketplace lending; banking competition; shadow banking; peer-to-peer lending
    Scope: 1 Online-Ressource (circa 25 Seiten), Illustrationen
  2. Fintech lending
    financial inclusion, risk pricing, and alternative information
    Author: Jagtiani, Julapa; Lemieux, Catharine M.
    Published: July 6, 2017
    Publisher:  Research Department, Federal Reserve Bank of Philadelphia, Philadelphia, PA

    Location:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
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    Content information
    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Series: Working paper / Research Department, Federal Reserve Bank of Philadelphia ; no. 17, 17
    Subjects: fintech; Lending Club; marketplace lending; banking competition; shadow banking; credit spreads; credit performance; P2P lending; peer-to-peer lending
    Scope: 1 Online-Ressource (circa 48 Seiten), Illustrationen
  3. Financial development, overbanking, and bank failures during the Great Depression
    new evidence from Italy
    Author: Molteni, Marco
    Published: [2024]
    Publisher:  Banca d'Italia Eurosistema, [Rom]

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    Verlag (kostenfrei)

    Location:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signature:
    VS 512
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Series: Quaderni di storia economica ; number 51 (January 2024)
    Subjects: overbanking; banking competition; banking crises; Great Depression; branch banking; Italy; interwar period
    Scope: 1 Online-Ressource (circa 59 Seiten), Illustrationen
  4. Will central bank digital currency disintermediate banks?
    Author: Whited, Toni Marion; Wu, Yufeng; Xiao, Kairong
    Published: [2023]
    Publisher:  Institut für Höhere Studien - Institute for Advanced Studies (IHS), Wien

    We estimate a dynamic banking model to quantify the impact of a central bank digital currency (CBDC) on the banking system. Our counterfactuals show that a one-dollar introduction of CBDC replaces bank deposits by around 80 cents on the margin. Bank... more

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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signature:
    DS 387
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    We estimate a dynamic banking model to quantify the impact of a central bank digital currency (CBDC) on the banking system. Our counterfactuals show that a one-dollar introduction of CBDC replaces bank deposits by around 80 cents on the margin. Bank lending falls by one-fourth of the drop in deposits because banks partially replace lost deposits with wholesale funding. This substitution raises banks' interest-rate risk exposure and lowers their resilience to negative equity shocks. If CBDC bears interest or is intermediated through banks, it captures a greater deposit market share, amplifying the impact on lending. The effect on lending is amplified for small banks, for which wholesale funding is more expensive.

     
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Other identifier:
    hdl: 10419/273785
    Series: IHS working paper ; 47 (April 2023)
    Subjects: central bank digital currency; banking competition; maturity mismatch,financial stability
    Scope: 1 Online-Ressource (circa 58 Seiten), Illustrationen