Despite the promise of FinTech lending to expand access to credit to populations without a formal credit history, FinTech lenders primarily lend to applicants with a formal credit history and rely on conventional credit bureau scores as an input to their algorithms. Using data from a large...

Dadas las virtudes de instituciones de informacion crediticia, cuando no surgen espontaneamente, las autoridades financieras suelen promover su formacion con participacion obligatoria. En Mexico, el mercado de credito es reducido, por lo que los mecanismos de informacion han presentado un...