Index Terms
- Fintech: AI powers financial services to improve people's lives
Recommendations
Banks and Fintech-companies: Who's Catching up with Whom
DTMIS '20: Proceedings of the International Scientific Conference - Digital Transformation on Manufacturing, Infrastructure and ServiceThe article analyzes the popular hypothesis that banks as independent financial institutions will cease to exist and their business will be taken over by fintech companies. Although many experts believe that in the confrontation between banks and ...
FinTech Lending and Bank Credit Access for Consumers
Using a unique setting of an online peer-to-peer lender, I show that banks expand credit access for consumers who obtain FinTech loans. Consistent with FinTech relieving information frictions, this effect is stronger for more credit-constrained consumers. ...
Fintech emergence - an opportunity or threat to banking
Fintech introduced contemporary payment, lending, investment, and fund exchange methods through digital currency, crowd funding, peer-to-peer (P2P) lending, and blockchain. This paper investigates the transformation of banking services and the financial ...
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