机构:
Sunway Univ, Sunway Business Sch, Dept Econ & Finance, Subang Jaya, MalaysiaSunway Univ, Sunway Business Sch, Dept Econ & Finance, Subang Jaya, Malaysia
Karim, Sitara
[1
]
Lucey, Brian M.
论文数: 0引用数: 0
h-index: 0
机构:
Trinity Coll Dublin, Trinity Business Sch, Dublin, Ireland
Univ Econ Ho Chi Minh City, Ho Chi Minh City, Vietnam
Jiangxi Univ Finance & Econ, Jiangxi, Peoples R China
Abu Dhabi Univ, Coll Business, Abu Dhabi, U Arab EmiratesSunway Univ, Sunway Business Sch, Dept Econ & Finance, Subang Jaya, Malaysia
Lucey, Brian M.
[2
,3
,4
,5
]
机构:
[1] Sunway Univ, Sunway Business Sch, Dept Econ & Finance, Subang Jaya, Malaysia
[2] Trinity Coll Dublin, Trinity Business Sch, Dublin, Ireland
[3] Univ Econ Ho Chi Minh City, Ho Chi Minh City, Vietnam
[4] Jiangxi Univ Finance & Econ, Jiangxi, Peoples R China
[5] Abu Dhabi Univ, Coll Business, Abu Dhabi, U Arab Emirates
BigTech;
Credit Risk;
FinTech;
Personal loans;
Performance;
D O I:
10.1016/j.frl.2024.105490
中图分类号:
F8 [财政、金融];
学科分类号:
0202 ;
摘要:
We examined the dual impact of BigTech and FinTech financing on traditional banking metrics like personal loans, credit risk, and bank performance. Through baseline regressions, alternative measures, endogeneity checks, and sub -sample analysis, our findings reveal an inverse relationship between BigTech and FinTech financing with personal loans and credit risk, suggesting severe challenges to traditional banking practices. Conversely, a positive correlation with bank performance indicates that while BigTech and FinTech disrupt certain aspects of banking, they also present opportunities for adaptation to blockchain-based financing mechanisms. Further evidence also confirmed these findings. The study informs various policymakers, stakeholder, and academic scholars.
机构:
IESEG Sch Management, UMR 9221, LEM Lille Economie Management, Lille, France
Univ Lille, UMR 9221, LEM Lille Economie Management, Lille, France
CNRS, UMR 9221, LEM Lille Economie Management, Lille, France
Polish Acad Sci, Inst Econ, Warsaw, PolandIESEG Sch Management, UMR 9221, LEM Lille Economie Management, Lille, France
Kowalewski, Oskar
Pisany, Pawel
论文数: 0引用数: 0
h-index: 0
机构:
Polish Acad Sci, Inst Econ, Warsaw, PolandIESEG Sch Management, UMR 9221, LEM Lille Economie Management, Lille, France
机构:
Univ Leeds, Leeds Univ Business Sch, Leeds, England
Abu Dhabi Univ, Coll Business, Abu Dhabi, U Arab EmiratesUniv Strathclyde, Strathclyde Business Sch, Dept Accounting & Finance, Glasgow G4 0QU, Scotland