Bank non-performing loans in the Fintech era

Peterson Ozili

MPRA Paper from University Library of Munich, Germany

Abstract: This study investigates the behavior of bank non-performing loans in the Fintech era. Using data from 35 developed countries from 1998 to 2016, the findings show that non-performing loans are fewer in the second wave Fintech era. Also, bank non-performing loans are positively related to the state of the business cycle in the second wave Fintech era. Countries that have high supply of credit to the private sector experience high non-performing loans in the second wave Fintech era. The two-way interaction analysis show that non-performing loans are lower during times of economic boom and when there is higher credit supply in the second-wave Fintech era.

Keywords: non-performing loan; financial innovation; disruptive technology; legal system; banks; Fintech; banks; credit risk; first wave Fintech era; second wave Fintech era. (search for similar items in EconPapers)
JEL-codes: G21 M13 (search for similar items in EconPapers)
Date: 2021-08-01
New Economics Papers: this item is included in nep-fdg and nep-pay
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Persistent link: https://EconPapers.repec.org/RePEc:pra:mprapa:113467

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