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Tanja Verster and Erika Fourie
The landscape of financial credit risk models is changing rapidly. This study takes a brief look into the future of predictive modelling by considering some factors that influence financial credit risk modelling. The first factor is machine learning. As ...
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Tu D. Q. Le, Thanh Ngo and Dat T. Nguyen
Digital credit has gained much attention from academic researchers, practitioners, and policymakers worldwide. This study empirically evaluates the determinants of digital credit using cross-country data from 2013 to 2019. The conventional ordinary least...
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Gordon Kuo Siong Tan
Pág. Finance an - 48
Fintech is celebrated for its disruptive and democratizing qualities that dis/reintermediates the finance value chain. Claims of a ?fintech revolution? assume that fintech is ?disruptive? because of its innovative capabilities, but the extent to which th...
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Tu D. Q. Le, Tin H. Ho, Dat T. Nguyen and Thanh Ngo
The expansion of fintech credit around the world is challenging the global banking system. This study investigates the interrelationships between the development of fintech credit and the efficiency of banking systems in 80 countries from 2013 to 2017. T...
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Yao Wang and Zdenek Drabek
The rapid development of online lending in the past decade, while providing convenience and efficiency, also generates large hidden credit risk for the financial system. Will removing financial intermediaries really provide more efficiency to the lending...
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Julian Gruin
Pág. Finance an - 104
Digital credit scoring is driving a number of significant transformations in Chinese economy and society, catalyzing financial liberalization, deepening financial inclusion, and shifting economic power beyond the previously state-controlled commercial ba...
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