Search Results - subject:"Finanzdienstleistung"

Absent branches, digital presence : fintech and the reconfiguration of everyday debt in Nigeria

Jalal-Eddeen, Shuaib - 2026

This article examines how the absence of physical branches and embodied oversight in fintech reconfigures financial life in Nigeria. Based on nine months of ethnographic fieldwork in Jimeta, it shows that the absence of physical infrastructures and the dominance of virtual ones is not merely...

Persistent link: https://www.econbiz.de/10015655157

Legal foundations of green fintech : paving the way for sustainable finance

Möslein, Florian - 2026

Persistent link: https://www.econbiz.de/10015549179

Vision for the future of financial consumer protection in LMICs

Garz, Seth; Mazer, Rafael; Blackmon, William - 2026

Persistent link: https://www.econbiz.de/10015549194

Mobile money: the democratising force of financial inclusion

Labouré, Marion - 2026

Persistent link: https://www.econbiz.de/10015549198

Beyond banks: trust among the financially underserved

Boel, Paola; Puzzello, Daniela; Zimmerman, Peter - 2026

Persistent link: https://www.econbiz.de/10015619026

Understanding consumer demand for "Buy Now, Pay Later"

Aidala, Felix; Koşar, Gizem; Mangrum, Daniel; Klaauw, … - 2026 - Revised February 2026

We estimate consumer preferences for "Buy Now, Pay Later" (BNPL) using a large-scale probabilistic stated choice survey experiment. Average willingness to pay (WTP) for the standard BNPL bundle is negative, but younger, lower-income, and less credit-worthy consumers exhibit higher demand. The...

Persistent link: https://www.econbiz.de/10015462921

The impact of fintech on innovation quality : evidence from Chinese enterprises

Zhang, Xiao; Huang, Zheng; Xiaoyu, Liu; Rong, Yanbo - 2026

We constructed an urban fintech index and analyzed data from 2834 publicly traded Chinese enterprises for the period 2010-2022 to investigate the impact of fintech on the innovation quality of enterprises. The findings indicate that this impact is positively reinforced by the innovation...

Persistent link: https://www.econbiz.de/10015608939

The value of mortgage choice : payment structure and contract length

Boutros, Michael; Clara, Nuno; Kartashova, Katya - 2026 - Last updated: March 2, 2026

We study how households choose between three mortgage contracts with different payment structures: fixed-rate fixed-payment, variable-rate variable-payment, and a hybrid variable-rate fixed-payment mortgage where interest rate changes affect principal repayment rather than payment size. This...

Persistent link: https://www.econbiz.de/10015610833

Regulatory risk in green FinTech : comparative insights from Central Europe

Heseková, Simona; Lapsánszky, András; Kálmán, János; … - 2026

Green fintech merges sustainable finance with data-intensive innovation, but national translations of EU rules can create regulatory risk. This study examines how such risk manifests in Central Europe and which policy tools mitigate it. We develop a three-dimension framework-regulatory clarity...

Persistent link: https://www.econbiz.de/10015611269

The paradox of cyber risk controls : an empirical analysis of readiness and protection inefficiencies in Thailand's financial sector

Sringam, Artid; Wuttidittachotti, Pongpisit - 2026

As Thailand's financial sector accelerates its digital transformation, cybersecurity has transitioned from a mere technical support function to a strategic imperative that governs operational risk and financial stability. This study empirically examines the efficacy of cyber risk controls and...

Persistent link: https://www.econbiz.de/10015611403