This paper discusses concentration in consumer credit markets with a focus on fintech lenders and residential mortgages. We present evidence that shows that concentration among fintech lenders is significantly higher than that for bank lenders and other nonbank lenders. The data also show that...

I develop a dynamic structural model to study the quantitative impact of the Dodd-Frank Act on small banks' operation costs. Banks in my model face a minimum capital requirement which constitutes a capacity constraint on lending for any given capital level. This constraint may be relaxed by...

This study investigates the applicability of a hybrid TiO2 electrode (or a working electrode with a light scattering layer) in a dye-sensitized solar cell (DSSC). Microcrystalline TiO2 particles, synthesized by the simple sol–gel method using TiCl4 ethanol solution as a precursor, were used to...