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FinTech Lending

Tobias Berg, Andreas Fuster and Manju Puri
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Tobias Berg: Frankfurt School of Finance & Management

No 21-72, Swiss Finance Institute Research Paper Series from Swiss Finance Institute

Abstract: In this paper, we review the growing literature on FinTech lending – the provision of credit facilitated by technology that improves the customer-lender interaction or lenders’ screening and monitoring of borrowers. FinTech lending has grown rapidly, though in developed economies like the U.S. it still only accounts for a small share of total credit. An increase in convenience and speed appears to have been more central to FinTech lending’s growth than improved screening or monitoring, though there is certainly potential for the latter, as is the case for increased financial inclusion. The COVID 19 pandemic has shown potential vulnerabilities of FinTech lenders, although in certain segments they have displayed rapid growth.

Keywords: FinTech; lending; COVID-19 (search for similar items in EconPapers)
JEL-codes: G21 G23 G51 (search for similar items in EconPapers)
Pages: 28 pages
Date: 2021-10
New Economics Papers: this item is included in nep-ban, nep-cwa, nep-fdg, nep-fle, nep-fmk, nep-pay and nep-ure
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https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3949230 (application/pdf)

Related works:
Journal Article: FinTech Lending (2022) Downloads
Working Paper: FinTech Lending (2021) Downloads
Working Paper: FinTech Lending (2021) Downloads
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