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The Real Effects of FinTech Lending on SMEs : Evidence from Loan Applications
Eca, Afonso; Ferreira, Miguel A.; Prado, Melissa Porras; … - 2022
We show that FinTech lending affects credit markets and real economic activity using a unique data set of a Peer …-to-Business platform for which we have the universe of loan applications. We find that FinTech serves high quality and creditworthy small … businesses who already have access to bank credit. Firms use FinTech to obtain long-term unsecured loans and reduce their …
Persistent link: https://www.econbiz.de/10013302730
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Financial intermediation and technology: What's old, what's new?
Boot, Arnoud W. A.; Hoffmann, Peter; Laeven, Luc; … - 2020
We study the effects of technological change on financial intermediation, distinguishing between innovations in information (data collection and processing) and communication (relationships and distribution). Both follow historic trends towards an increased use of hard information and less...
Persistent link: https://www.econbiz.de/10012422100
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The real effects of FinTech lending on SMEs: Evidence from loan applications
Eça, Afonso; Ferreira, Miguel A.; Prado, Melissa Porras; … - 2022
We show that FinTech lending affects credit markets and real economic activity using a unique data set of a Peer …-to-Business platform for which we have the universe of loan applications. We find that FinTech serves high quality and creditworthy small … businesses who already have access to bank credit. Firms use FinTech to obtain long-term unsecured loans and reduce their …
Persistent link: https://www.econbiz.de/10013272130
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The Digital Economy, Privacy, and CBDC
Ahnert, Toni; Hoffmann, Peter; Monet, Cyril - 2022
We study a model of financial intermediation, payment choice, and privacy in the digital economy. Cash preserves anonymity but cannot be used for more efficient online transactions. By contrast, bank deposits can be used online but do not preserve anonymity. Banks use the information contained...
Persistent link: https://www.econbiz.de/10013288804
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Do banks practice what they preach? Brown lending and environmental disclosure in the euro area
Gambacorta, Leonardo; Polizzi, Salvatore; Reghezza, Alessio - 2023
This study examines whether the level of environmental disclosure in banks' financial reports matches less brown lending portfolios. Using granular credit register data and detailed information on firm-level greenhouse gas emission intensities, we find a negative relationship between...
Persistent link: https://www.econbiz.de/10014543606
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Financial Intermediation and Technology : What's Old, What's New?
Hoffmann, Peter - 2020
We study the effects of technological change on financial intermediation, distinguishing between innovations in information (data collection and processing) and communication (relationships and distribution). Both follow historic trends towards an increased use of hard information and less...
Persistent link: https://www.econbiz.de/10012829298
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The Green Golden Rule: Habit and anticipation of future consumption
Faria, João Ricardo; McAdam, Peter - 2019
by the AFC and HF, may have important impacts on the environment and sustainability. We demonstrate that agents who …
Persistent link: https://www.econbiz.de/10012142091
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New technologies and jobs in Europe
Albanesi, Stefania; da Silva, António Dias; Jimeno, Juan F. - 2023
We examine the link between labour market developments and new technologies such as artificial intelligence (AI) and software in 16 European countries over the period 2011-2019. Using data for occupations at the 3-digit level in Europe, we find that on average employment shares have increased in...
Persistent link: https://www.econbiz.de/10014374775
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New Technologies and Jobs in Europe
Albanesi, Stefania; Silva, António Dias da; Jimeno, Juan F. - 2023
We examine the link between labour market developments and new technologies such as artificial intelligence (AI) and software in 16 European countries over the period 2011-2019. Using data for occupations at the 3-digit level in Europe, we find that on average employment shares have increased in...
Persistent link: https://www.econbiz.de/10014346583
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Digitalisation, Institutions and Governance, and Growth : Mechanisms and Evidence
Labhard, Vincent; Lehtimäki, Jonne - 2022
Digitalisation may be viewed as a sequence of supply and technology shocks affecting the economy through productivity and output, employment and labour markets, competition and market structure. This paper focuses on the effects of digitalisation on economic growth, and how those effects may...
Persistent link: https://www.econbiz.de/10014076473