The Changing Landscape of Providing Consumer Credit

Maria Lissowska ()
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Maria Lissowska: Warsaw School of Economics

Chapter Chapter 3 in Consumer Credit in Europe, 2021, pp 31-55 from Springer

Abstract: Abstract This chapter analyses the outcome of the digitalization of financial services in terms of the more and more frequent use of digital channels by consumers and by financial services providers. The outcomes of this tendency will be analysed in terms of: Structural changes of the European consumer credit market: the role of new credit providers (FinTechs and BigData operators) and their relationship with traditional providers (competition or cooperation with traditional credit providers); new business models of providing consumer credit stemming from new technologies and their prevalence over more traditional models; possible future changes in the consumer credit market in line with the development of new channels and models of providing consumer credit outside Europe; challenges for European legislationLegislation on consumer credit stemming from digitalization.

Keywords: Digitalization; FinTechs; Consumer credit; Crediting models (search for similar items in EconPapers)
Date: 2021
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Persistent link: https://EconPapers.repec.org/RePEc:spr:sprchp:978-3-030-88231-0_3

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DOI: 10.1007/978-3-030-88231-0_3

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