Details about Julapa A. Jagtiani

Access statistics for papers by Julapa A. Jagtiani.

Last updated 2024-04-06. Update your information in the RePEc Author Service.

Short-id: pja181

Working Papers

2024

1. Beneath the Crypto Currents: The Hidden Effect of Crypto “Whales”
   Working Papers, Federal Reserve Bank of Philadelphia

2023

2. Did Fintech Loans Default More During the COVID-19 Pandemic? Were Fintech Firms “Cream-Skimming” the Best Borrowers?
   Working Papers, Federal Reserve Bank of Philadelphia
3. The Role of Bank-Fintech Partnerships in Creating a More Inclusive Banking System
   Working Papers, Federal Reserve Bank of Philadelphia
   See also Journal Article The role of bank–FinTech partnerships in creating a more inclusive banking system, Journal of Digital Banking, Henry Stewart Publications (2024) View citations (1) (2024)

2022

4. Fintech, Cryptocurrencies, and CBDC: Financial Structural Transformation in China
   CEPR Discussion Papers, C.E.P.R. Discussion Papers
   Also in Working Papers, Federal Reserve Bank of Philadelphia (2022) View citations (62)
   See also Journal Article Fintech, Cryptocurrencies, and CBDC: Financial Structural Transformation in China, Journal of International Money and Finance, Elsevier (2022) View citations (62) (2022)
5. The Impact of Fintech Lending on Credit Access for U.S. Small Businesses
   Working Papers, Federal Reserve Bank of Philadelphia View citations (4)
   Also in CEPR Discussion Papers, C.E.P.R. Discussion Papers (2022)
   BIS Working Papers, Bank for International Settlements (2022) View citations (6)

2021

6. Which Lenders Are More Likely to Reach Out to Underserved Consumers: Banks versus Fintechs versus Other Nonbanks?
   Working Papers, Federal Reserve Bank of Philadelphia View citations (8)

2020

7. A Survey of Fintech Research and Policy Discussion
   Working Papers, Federal Reserve Bank of Philadelphia View citations (10)
   See also Journal Article A Survey of Fintech Research and Policy Discussion, Review of Corporate Finance, now publishers (2021) View citations (70) (2021)
8. Important Factors Determining Fintech Loan Default: Evidence from the LendingClub Consumer Platform
   Working Papers, Federal Reserve Bank of Philadelphia View citations (10)
   See also Journal Article Important factors determining Fintech loan default: Evidence from a lendingclub consumer platform, Journal of Economic Behavior & Organization, Elsevier (2020) View citations (23) (2020)
9. The Credit Card Act and Consumer Debt Structure
   Working Papers, Federal Reserve Bank of Philadelphia
   See also Journal Article The Credit Card Act and Consumer Debt Structure, Journal of Law, Finance, and Accounting, now publishers (2022) View citations (1) (2022)

2019

10. CONSUMER LENDING EFFICIENCY:COMMERCIAL BANKS VERSUS A FINTECH LENDER
    Working Papers, Federal Reserve Bank of Philadelphia View citations (3)
    Also in Departmental Working Papers, Rutgers University, Department of Economics (2018)
    See also Journal Article Consumer lending efficiency: commercial banks versus a fintech lender, Financial Innovation, Springer (2022) View citations (15) (2022)
11. Does Scale Matter in Community Bank Performance? Evidence Obtained by Applying Several New Measures of Performance
    Departmental Working Papers, Rutgers University, Department of Economics View citations (19)
    Also in Departmental Working Papers, Rutgers University, Department of Economics (2018) View citations (2)
    Working Papers, Federal Reserve Bank of Philadelphia (2018) View citations (2)
    See also Journal Article Does scale matter in community bank performance? Evidence obtained by applying several new measures of performance, Journal of Banking & Finance, Elsevier (2019) View citations (12) (2019)
12. Fintech Lending and Mortgage Credit Access
    Working Papers, Federal Reserve Bank of Philadelphia View citations (2)

2018

13. Do Fintech Lenders Penetrate Areas That Are Underserved by Traditional Banks?
    Working Papers, Federal Reserve Bank of Philadelphia View citations (136)
    See also Journal Article Do fintech lenders penetrate areas that are underserved by traditional banks?, Journal of Economics and Business, Elsevier (2018) View citations (136) (2018)
14. How Important Are Local Community Banks to Small Business Lending? Evidence from Mergers and Acquisitions [REVISED]
    Working Papers, Federal Reserve Bank of Philadelphia View citations (1)
15. Redefault Risk in the Aftermath of the Mortgage Crisis: Why Did Modifications Improve More Than Self-Cures?
    Working Papers, Federal Reserve Bank of Philadelphia
    Also in Working Papers, Federal Reserve Bank of Philadelphia (2018)
16. The Interplay Among Financial Regulations, Resilience, and Growth
    Working Papers, Federal Reserve Bank of Philadelphia View citations (6)
    See also Journal Article The Interplay among Financial Regulations, Resilience, and Growth, Journal of Financial Services Research, Springer (2018) View citations (7) (2018)
17. The Interplay between Financial Regulations, Resilience, and Growth
    CEPR Discussion Papers, C.E.P.R. Discussion Papers View citations (11)
18. The Roles of Alternative Data and Machine Learning in Fintech Lending: Evidence from the LendingClub Consumer Platform
    Working Papers, Federal Reserve Bank of Philadelphia View citations (9)
    See also Journal Article The roles of alternative data and machine learning in fintech lending: Evidence from the LendingClub consumer platform, Financial Management, Financial Management Association International (2019) View citations (90) (2019)

2017

19. Fintech Lending: Financial Inclusion, Risk Pricing, and Alternative Information
    Working Papers, Federal Reserve Bank of Philadelphia View citations (24)
20. First-Time Homebuyers: Toward a New Measure
    Working Papers, Federal Reserve Bank of Philadelphia
21. THE IMPACTS OF FINANCIAL REGULATIONS: SOLVENCY AND LIQUIDITY IN THE POST-CRISIS PERIOD
    Working Papers, Federal Reserve Bank of Philadelphia View citations (6)
    See also Journal Article The impacts of financial regulations: solvency and liquidity in the post-crisis period, Journal of Financial Regulation and Compliance, Emerald Group Publishing Limited (2017) View citations (7) (2017)

2016

22. Is Bigger Necessarily Better in Community Banking?
    Working Papers (Old Series), Federal Reserve Bank of Cleveland View citations (5)
    Also in Departmental Working Papers, Rutgers University, Department of Economics (2016) View citations (6)
    Working Papers, Federal Reserve Bank of Philadelphia (2016) View citations (7)
    Working Papers, University of Pennsylvania, Wharton School, Weiss Center (2016) View citations (6)
23. Small Business Lending: Challenges and Opportunities for Community Banks
    Working Papers, University of Pennsylvania, Wharton School, Weiss Center View citations (7)
    Also in Working Papers, Federal Reserve Bank of Philadelphia (2016) View citations (7)

2015

24. Foreclosure delay and consumer credit performance
    Working Papers, Federal Reserve Bank of Philadelphia View citations (4)
    Also in Working Papers, Federal Reserve Bank of Philadelphia (2014) View citations (2)
    See also Journal Article Foreclosure Delay and Consumer Credit Performance, Journal of Financial Services Research, Springer (2017) View citations (3) (2017)

2014

25. Credit Access after Consumer Bankruptcy Filing: New Evidence
    Working Papers, University of Pennsylvania, Wharton School, Weiss Center View citations (13)
    Also in Working Papers, Federal Reserve Bank of Philadelphia (2014) View citations (5)
26. Enhancing prudential standards in financial regulations
    Working Papers, Federal Reserve Bank of Philadelphia
    See also Journal Article Enhancing Prudential Standards in Financial Regulations, Journal of Financial Services Research, Springer (2016) View citations (8) (2016)
27. The Evolution of U.S. Community Banks and Its Impact on Small Business Lending
    Working Papers, University of Pennsylvania, Wharton School, Weiss Center
    Also in Working Papers, Federal Reserve Bank of Philadelphia (2014) View citations (4)

2013

28. Credit access and credit performance after consumer bankruptcy filing: new evidence
    Working Papers, Federal Reserve Bank of Philadelphia

2011

29. How much did banks pay to become too-big-to-fail and to become systematically important?
    Working Papers, Federal Reserve Bank of Philadelphia View citations (4)
    Also in Working Papers, Federal Reserve Bank of Philadelphia (2009) View citations (22)
    See also Journal Article How Much Did Banks Pay to Become Too-Big-To-Fail and to Become Systemically Important?, Journal of Financial Services Research, Springer (2013) View citations (80) (2013)

2010

30. Can banks circumvent minimum capital requirements? The case of mortgage portfolios under Basel II
    Working Papers, Federal Reserve Bank of Philadelphia
31. Corporate governance structure and mergers
    Working Papers, Federal Reserve Bank of Philadelphia View citations (1)
32. Strategic default on first and second lien mortgages during the financial crisis
    Working Papers, Federal Reserve Bank of Philadelphia View citations (8)
33. The Mortgage Financial Crises: The Role of Credit Risk Management and Corporate Governance
    Working Papers, University of Pennsylvania, Wharton School, Weiss Center View citations (22)

2007

34. How much would banks be willing to pay to become \"too-big-to-fail\" and to capture other benefits?
    Research Working Paper, Federal Reserve Bank of Kansas City View citations (16)
35. Target's corporate governance and bank merger payoffs
    Research Working Paper, Federal Reserve Bank of Kansas City View citations (5)
36. The potential role of subordinated debt programs in enhancing market discipline in banking
    Research Working Paper, Federal Reserve Bank of Kansas City View citations (4)

2002

37. The role of bank advisors in mergers and acquisitions
    Staff Reports, Federal Reserve Bank of New York View citations (6)

2000

38. Impact of independent directors and the regulatory environment on bank merger prices: evidence from takeover activity in the 1990s
    Working Paper Series, Federal Reserve Bank of Chicago View citations (18)

1996

39. Risk and Market Segmentation in Financial Intermediaries’ Returns
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations (2)
    See also Journal Article Risk and Market Segmentation in Financial Intermediaries' Returns, Journal of Financial Services Research, Springer (1997) View citations (13) (1997)

Journal Articles

2024

1. The role of bank–FinTech partnerships in creating a more inclusive banking system
   Journal of Digital Banking, 2024, 8, (4), 330-354 View citations (1)
   See also Working Paper The Role of Bank-Fintech Partnerships in Creating a More Inclusive Banking System, Working Papers (2023) (2023)

2022

2. Consumer lending efficiency: commercial banks versus a fintech lender
   Financial Innovation, 2022, 8, (1), 1-39 View citations (15)
   See also Working Paper CONSUMER LENDING EFFICIENCY:COMMERCIAL BANKS VERSUS A FINTECH LENDER, Working Papers (2019) View citations (3) (2019)
3. Fintech, Cryptocurrencies, and CBDC: Financial Structural Transformation in China
   Journal of International Money and Finance, 2022, 124, (C) View citations (62)
   See also Working Paper Fintech, Cryptocurrencies, and CBDC: Financial Structural Transformation in China, CEPR Discussion Papers (2022) (2022)
4. The Credit Card Act and Consumer Debt Structure
   Journal of Law, Finance, and Accounting, 2022, 7, (1), 91-126 View citations (1)
   See also Working Paper The Credit Card Act and Consumer Debt Structure, Working Papers (2020) (2020)

2021

5. A Survey of Fintech Research and Policy Discussion
   Review of Corporate Finance, 2021, 1, (3-4), 259-339 View citations (70)
   See also Working Paper A Survey of Fintech Research and Policy Discussion, Working Papers (2020) View citations (10) (2020)

2020

6. Important factors determining Fintech loan default: Evidence from a lendingclub consumer platform
   Journal of Economic Behavior & Organization, 2020, 173, (C), 270-296 View citations (23)
   See also Working Paper Important Factors Determining Fintech Loan Default: Evidence from the LendingClub Consumer Platform, Working Papers (2020) View citations (10) (2020)

2019

7. Does scale matter in community bank performance? Evidence obtained by applying several new measures of performance
   Journal of Banking & Finance, 2019, 106, (C), 471-499 View citations (12)
   See also Working Paper Does Scale Matter in Community Bank Performance? Evidence Obtained by Applying Several New Measures of Performance, Departmental Working Papers (2019) View citations (19) (2019)
8. The roles of alternative data and machine learning in fintech lending: Evidence from the LendingClub consumer platform
   Financial Management, 2019, 48, (4), 1009-1029 View citations (90)
   See also Working Paper The Roles of Alternative Data and Machine Learning in Fintech Lending: Evidence from the LendingClub Consumer Platform, Working Papers (2018) View citations (9) (2018)

2018

9. Do fintech lenders penetrate areas that are underserved by traditional banks?
   Journal of Economics and Business, 2018, 100, (C), 43-54 View citations (136)
   See also Working Paper Do Fintech Lenders Penetrate Areas That Are Underserved by Traditional Banks?, Working Papers (2018) View citations (136) (2018)
10. The Interplay among Financial Regulations, Resilience, and Growth
    Journal of Financial Services Research, 2018, 53, (2), 141-162 View citations (7)
    See also Working Paper The Interplay Among Financial Regulations, Resilience, and Growth, Working Papers (2018) View citations (6) (2018)

2017

11. Foreclosure Delay and Consumer Credit Performance
    Journal of Financial Services Research, 2017, 52, (3), 225-251 View citations (3)
    See also Working Paper Foreclosure delay and consumer credit performance, Working Papers (2015) View citations (4) (2015)
12. The impacts of financial regulations: solvency and liquidity in the post-crisis period
    Journal of Financial Regulation and Compliance, 2017, 25, (3), 253-270 View citations (7)
    See also Working Paper THE IMPACTS OF FINANCIAL REGULATIONS: SOLVENCY AND LIQUIDITY IN THE POST-CRISIS PERIOD, Working Papers (2017) View citations (6) (2017)

2016

13. Community bank mergers and their impact on small business lending
    Journal of Financial Stability, 2016, 27, (C), 106-121 View citations (16)
14. Enhancing Prudential Standards in Financial Regulations
    Journal of Financial Services Research, 2016, 49, (2), 133-149 View citations (8)
    See also Working Paper Enhancing prudential standards in financial regulations, Working Papers (2014) (2014)
15. Small Business Lending After the Financial Crisis: A New Competitive Landscape for Community Banks
    Economic Perspectives, 2016, (3) View citations (16)

2013

16. How Much Did Banks Pay to Become Too-Big-To-Fail and to Become Systemically Important?
    Journal of Financial Services Research, 2013, 43, (1), 1-35 View citations (80)
    See also Working Paper How much did banks pay to become too-big-to-fail and to become systematically important?, Working Papers (2011) View citations (4) (2011)

2011

17. Enhancing market discipline in banking: The role of subordinated debt in financial regulatory reform
    Journal of Economics and Business, 2011, 63, (1), 1-22 View citations (23)
    Also in Journal of Economics and Business, 2011, 63, (1), 1-22 (2011) View citations (25)

2010

18. The Mortgage and Financial Crises: The Role of Credit Risk Management and Corporate Governance
    Atlantic Economic Journal, 2010, 38, (3), 295-316 View citations (24)
    Also in Atlantic Economic Journal, 2010, 38, (2), 123-144 (2010) View citations (24)

2008

19. Understanding the effects of the merger boom on community banks
    Economic Review, 2008, 93, (Q II), 29-48 View citations (2)

2003

20. An analysis of advisor choice, fees, and effort in mergers and acquisitions
    Review of Financial Economics, 2003, 12, (1), 65-81 View citations (51)
    Also in Review of Financial Economics, 2003, 12, (1), 65-81 (2003) View citations (8)
21. Early warning models for bank supervision: Simpler could be better
    Economic Perspectives, 2003, 27, (Q III), 49-60 View citations (36)

2002

22. The Effect of Credit Risk on Bank and Bank Holding Company Bond Yields: Evidence from the Post‐FDICIA Period
    Journal of Financial Research, 2002, 25, (4), 559-575 View citations (50)

2001

23. Do markets react to regulatory information?
    Chicago Fed Letter, 2001, (Jun)
24. Further Evidence on the Information Content of Bank Examination Ratings: A Study of BHC-to-FHC Conversion Applications
    Journal of Financial Services Research, 2001, 20, (2), 213-232 View citations (14)
25. Market discipline prior to bank failure
    Journal of Economics and Business, 2001, 53, (2-3), 313-324 View citations (49)

2000

26. Do market react to bank examination ratings? evidence of indirect disclosure of management quality through BHCs' application to convert to FHC
    Emerging Issues, 2000, (Oct)
27. Impact of independent directors and the regulatory environment on merger prices and motivation: evidence from large bank mergers in the 1990s
    Emerging Issues, 2000, (Dec) View citations (1)
28. Market discipline prior to failure
    Emerging Issues, 2000, (Sep) View citations (3)
29. Merger advisory fees and advisor's effort
    Emerging Issues, 2000, (Dec) View citations (1)
30. Predicting inadequate capitalization: early warning system for bank supervision
    Emerging Issues, 2000, (Sep) View citations (4)
31. The price of bank mergers in the 1990s
    Economic Perspectives, 2000, 24, (Q I), 2-23 View citations (6)
32. The risk effects of combining banking, securities, and insurance activities
    Journal of Economics and Business, 2000, 52, (6), 485-497 View citations (57)
33. The role of financial advisors in merger and acquisitions
    Emerging Issues, 2000, (Feb)

1999

34. Do markets discipline banks and bank holding companies? evidence from debt pricing
    Emerging Issues, 1999, (Jun) View citations (34)
35. Stumbling blocks to increasing market discipline in the banking sector: a note on bond pricing and funding strategy prior to failure
    Emerging Issues, 1999, (Sep) View citations (6)

1997

36. Risk and Market Segmentation in Financial Intermediaries' Returns
    Journal of Financial Services Research, 1997, 12, (2), 159-173 View citations (13)
    See also Working Paper Risk and Market Segmentation in Financial Intermediaries’ Returns, Center for Financial Institutions Working Papers (1996) View citations (2) (1996)

1996

37. Interest rate risk subsidization in international capital standards
    Journal of Economics and Business, 1996, 48, (3), 251-267 View citations (15)
38. Scale and scope economies at large banks: Including off-balance sheet products and regulatory effects (1984-1991)
    Journal of Banking & Finance, 1996, 20, (7), 1271-1287 View citations (41)

1995

39. Scale economies and cost complementarities in commercial banks: On-and off-balance-sheet activities
    Journal of Banking & Finance, 1995, 19, (7), 1175-1189 View citations (41)
40. The effect of bank capital requirements on bank off-balance sheet financial innovations
    Journal of Banking & Finance, 1995, 19, (3-4), 647-658 View citations (41)

1994

41. Foreign ownership restrictions and stock prices in the Thai capital market
    Journal of Financial Economics, 1994, 36, (1), 57-87 View citations (112)

Chapters

2021

1. Cryptocurrencies: Regulatory Perspectives and Implications for Investors
   Springer View citations (5)