Lenders can exploit households' payment data to infer their creditworthiness. When households value privacy, they then face a tradeoff between protecting such privacy and credit conditions. We study how the introduction of an informationally more intrusive digital payment vehicle affects...

Financial inclusion in Nigeria has had undeniable successes, with the onboarding of residents to the banking sector consistently progressing. But the overall exclusion rates continue to exceed official targets, not least due to low financial literacy. Going forward, Nigeria's financial inclusion...

The study examines the effect of electronic banking on financial inclusion in Nepal. Financial inclusion is the dependent variable. The selected independent variables are automated teller machine, point of sale terminal, internet banking, mobile banking, and agency banking. The primary source of...

Open banking is a framework where consumers and businesses can share their banking data with third-party providers through secure channels. Starting in the United Kingdom, open banking is on the rise in many countries. Thanks to open banking, consumers and businesses can access innovative...

While banks historically offer a litany of different credit and depository products to their local customers, technological innovation and consumer preferences have spurred growth of online banks specializing in particular activities across broad geographic areas. This paper analyzes the...

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...

This study seeks to understand the impact that neo banking has had on the financial inclusion of the youth population in Bangalore. This study will also evaluate what challenges remain in terms of full-fledged financial inclusion of the youth and what steps must be taken in order to overcome...

This paper investigated the influence of factors on the intention to adopt Internet banking services among students of higher education in Pakistan. The theoretical framework used for this study has been adopted fromTechnology Acceptance Model (TAM) with four independent variables. Convenience...

We study the impact of digital banking on the value of the deposit franchise and the stability of the banking sector. Using the classification of digital banking in Koont (2023), we find that when the Fed funds rate increases deposits flow out faster and the cost of deposits increases more in...

Information and communication technologies have changed the working of the banking industry in the last few years. The transformation is expected to quicken their pace in the coming years. The trend towards electronic delivery of products and services is dramatically changing in the financial...