BigTech, FinTech, and banks : a tangle or unity?

Gespeichert in:

Autor*in:	Karim, Sitara [verfasserIn] Lucey, Brian M. [verfasserIn]

Format:	E-Artikel
Sprache:	Englisch

Erschienen:	2024

Schlagwörter:	BigTech Credit Risk FinTech Performance Personal loans

Übergeordnetes Werk:	Enthalten in: Finance research letters - New York : Elsevier Science, 2004, 64(2024) vom: Juni, Artikel-ID 105490, Seite 1-10
Übergeordnetes Werk:	volume:64 ; year:2024 ; month:06 ; elocationid:105490 ; pages:1-10

Links:	Link aufrufen Link aufrufen

DOI / URN:	10.1016/j.frl.2024.105490

Katalog-ID:	1889579750

Internformat


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982			\|2 26 \|1 00 \|x DE-206 \|b 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.

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allfields	10.1016/j.frl.2024.105490 doi (DE-627)1889579750 (DE-599)KXP1889579750 DE-627 ger DE-627 rda eng Karim, Sitara verfasserin (DE-588)120465929X (DE-627)1690059095 aut BigTech, FinTech, and banks a tangle or unity? Sitara Karim, Brian M. Lucey 2024 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier BigTech (dpeaa)DE-206 Credit Risk (dpeaa)DE-206 FinTech (dpeaa)DE-206 Performance (dpeaa)DE-206 Personal loans (dpeaa)DE-206 Lucey, Brian M. verfasserin (DE-588)170646424 (DE-627)060763833 (DE-576)131511734 aut Enthalten in Finance research letters New York : Elsevier Science, 2004 64(2024) vom: Juni, Artikel-ID 105490, Seite 1-10 Online-Ressource (DE-627)387481583 (DE-600)2145766-9 (DE-576)259272752 1544-6123 nnns volume:64 year:2024 month:06 elocationid:105490 pages:1-10 https://www.sciencedirect.com/science/article/pii/S1544612324005208/pdfft?md5=e7783fbb07091d243cac47c8c2b533e9&pid=1-s2.0-S1544612324005208-main.pdf Verlag lizenzpflichtig https://doi.org/10.1016/j.frl.2024.105490 Resolving-System lizenzpflichtig GBV_USEFLAG_U GBV_ILN_26 ISIL_DE-206 SYSFLAG_1 GBV_KXP GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_32 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_74 GBV_ILN_90 GBV_ILN_95 GBV_ILN_100 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_187 GBV_ILN_213 GBV_ILN_224 GBV_ILN_230 GBV_ILN_370 GBV_ILN_602 GBV_ILN_702 GBV_ILN_2001 GBV_ILN_2003 GBV_ILN_2004 GBV_ILN_2005 GBV_ILN_2007 GBV_ILN_2008 GBV_ILN_2009 GBV_ILN_2010 GBV_ILN_2011 GBV_ILN_2014 GBV_ILN_2015 GBV_ILN_2020 GBV_ILN_2021 GBV_ILN_2025 GBV_ILN_2026 GBV_ILN_2027 GBV_ILN_2034 GBV_ILN_2044 GBV_ILN_2048 GBV_ILN_2049 GBV_ILN_2050 GBV_ILN_2055 GBV_ILN_2056 GBV_ILN_2059 GBV_ILN_2061 GBV_ILN_2064 GBV_ILN_2088 GBV_ILN_2106 GBV_ILN_2110 GBV_ILN_2111 GBV_ILN_2112 GBV_ILN_2122 GBV_ILN_2129 GBV_ILN_2143 GBV_ILN_2152 GBV_ILN_2153 GBV_ILN_2190 GBV_ILN_2232 GBV_ILN_2336 GBV_ILN_2470 GBV_ILN_2507 GBV_ILN_4035 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4242 GBV_ILN_4249 GBV_ILN_4251 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4333 GBV_ILN_4334 GBV_ILN_4338 GBV_ILN_4393 GBV_ILN_4700 AR 64 2024 6 105490 1-10 26 01 0206 4527319698 x1z 22-05-24 26 00 DE-206 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.
spelling	10.1016/j.frl.2024.105490 doi (DE-627)1889579750 (DE-599)KXP1889579750 DE-627 ger DE-627 rda eng Karim, Sitara verfasserin (DE-588)120465929X (DE-627)1690059095 aut BigTech, FinTech, and banks a tangle or unity? Sitara Karim, Brian M. Lucey 2024 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier BigTech (dpeaa)DE-206 Credit Risk (dpeaa)DE-206 FinTech (dpeaa)DE-206 Performance (dpeaa)DE-206 Personal loans (dpeaa)DE-206 Lucey, Brian M. verfasserin (DE-588)170646424 (DE-627)060763833 (DE-576)131511734 aut Enthalten in Finance research letters New York : Elsevier Science, 2004 64(2024) vom: Juni, Artikel-ID 105490, Seite 1-10 Online-Ressource (DE-627)387481583 (DE-600)2145766-9 (DE-576)259272752 1544-6123 nnns volume:64 year:2024 month:06 elocationid:105490 pages:1-10 https://www.sciencedirect.com/science/article/pii/S1544612324005208/pdfft?md5=e7783fbb07091d243cac47c8c2b533e9&pid=1-s2.0-S1544612324005208-main.pdf Verlag lizenzpflichtig https://doi.org/10.1016/j.frl.2024.105490 Resolving-System lizenzpflichtig GBV_USEFLAG_U GBV_ILN_26 ISIL_DE-206 SYSFLAG_1 GBV_KXP GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_32 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_74 GBV_ILN_90 GBV_ILN_95 GBV_ILN_100 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_187 GBV_ILN_213 GBV_ILN_224 GBV_ILN_230 GBV_ILN_370 GBV_ILN_602 GBV_ILN_702 GBV_ILN_2001 GBV_ILN_2003 GBV_ILN_2004 GBV_ILN_2005 GBV_ILN_2007 GBV_ILN_2008 GBV_ILN_2009 GBV_ILN_2010 GBV_ILN_2011 GBV_ILN_2014 GBV_ILN_2015 GBV_ILN_2020 GBV_ILN_2021 GBV_ILN_2025 GBV_ILN_2026 GBV_ILN_2027 GBV_ILN_2034 GBV_ILN_2044 GBV_ILN_2048 GBV_ILN_2049 GBV_ILN_2050 GBV_ILN_2055 GBV_ILN_2056 GBV_ILN_2059 GBV_ILN_2061 GBV_ILN_2064 GBV_ILN_2088 GBV_ILN_2106 GBV_ILN_2110 GBV_ILN_2111 GBV_ILN_2112 GBV_ILN_2122 GBV_ILN_2129 GBV_ILN_2143 GBV_ILN_2152 GBV_ILN_2153 GBV_ILN_2190 GBV_ILN_2232 GBV_ILN_2336 GBV_ILN_2470 GBV_ILN_2507 GBV_ILN_4035 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4242 GBV_ILN_4249 GBV_ILN_4251 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4333 GBV_ILN_4334 GBV_ILN_4338 GBV_ILN_4393 GBV_ILN_4700 AR 64 2024 6 105490 1-10 26 01 0206 4527319698 x1z 22-05-24 26 00 DE-206 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.
allfields_unstemmed	10.1016/j.frl.2024.105490 doi (DE-627)1889579750 (DE-599)KXP1889579750 DE-627 ger DE-627 rda eng Karim, Sitara verfasserin (DE-588)120465929X (DE-627)1690059095 aut BigTech, FinTech, and banks a tangle or unity? Sitara Karim, Brian M. Lucey 2024 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier BigTech (dpeaa)DE-206 Credit Risk (dpeaa)DE-206 FinTech (dpeaa)DE-206 Performance (dpeaa)DE-206 Personal loans (dpeaa)DE-206 Lucey, Brian M. verfasserin (DE-588)170646424 (DE-627)060763833 (DE-576)131511734 aut Enthalten in Finance research letters New York : Elsevier Science, 2004 64(2024) vom: Juni, Artikel-ID 105490, Seite 1-10 Online-Ressource (DE-627)387481583 (DE-600)2145766-9 (DE-576)259272752 1544-6123 nnns volume:64 year:2024 month:06 elocationid:105490 pages:1-10 https://www.sciencedirect.com/science/article/pii/S1544612324005208/pdfft?md5=e7783fbb07091d243cac47c8c2b533e9&pid=1-s2.0-S1544612324005208-main.pdf Verlag lizenzpflichtig https://doi.org/10.1016/j.frl.2024.105490 Resolving-System lizenzpflichtig GBV_USEFLAG_U GBV_ILN_26 ISIL_DE-206 SYSFLAG_1 GBV_KXP GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_32 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_74 GBV_ILN_90 GBV_ILN_95 GBV_ILN_100 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_187 GBV_ILN_213 GBV_ILN_224 GBV_ILN_230 GBV_ILN_370 GBV_ILN_602 GBV_ILN_702 GBV_ILN_2001 GBV_ILN_2003 GBV_ILN_2004 GBV_ILN_2005 GBV_ILN_2007 GBV_ILN_2008 GBV_ILN_2009 GBV_ILN_2010 GBV_ILN_2011 GBV_ILN_2014 GBV_ILN_2015 GBV_ILN_2020 GBV_ILN_2021 GBV_ILN_2025 GBV_ILN_2026 GBV_ILN_2027 GBV_ILN_2034 GBV_ILN_2044 GBV_ILN_2048 GBV_ILN_2049 GBV_ILN_2050 GBV_ILN_2055 GBV_ILN_2056 GBV_ILN_2059 GBV_ILN_2061 GBV_ILN_2064 GBV_ILN_2088 GBV_ILN_2106 GBV_ILN_2110 GBV_ILN_2111 GBV_ILN_2112 GBV_ILN_2122 GBV_ILN_2129 GBV_ILN_2143 GBV_ILN_2152 GBV_ILN_2153 GBV_ILN_2190 GBV_ILN_2232 GBV_ILN_2336 GBV_ILN_2470 GBV_ILN_2507 GBV_ILN_4035 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4242 GBV_ILN_4249 GBV_ILN_4251 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4333 GBV_ILN_4334 GBV_ILN_4338 GBV_ILN_4393 GBV_ILN_4700 AR 64 2024 6 105490 1-10 26 01 0206 4527319698 x1z 22-05-24 26 00 DE-206 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.
allfieldsGer	10.1016/j.frl.2024.105490 doi (DE-627)1889579750 (DE-599)KXP1889579750 DE-627 ger DE-627 rda eng Karim, Sitara verfasserin (DE-588)120465929X (DE-627)1690059095 aut BigTech, FinTech, and banks a tangle or unity? Sitara Karim, Brian M. Lucey 2024 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier BigTech (dpeaa)DE-206 Credit Risk (dpeaa)DE-206 FinTech (dpeaa)DE-206 Performance (dpeaa)DE-206 Personal loans (dpeaa)DE-206 Lucey, Brian M. verfasserin (DE-588)170646424 (DE-627)060763833 (DE-576)131511734 aut Enthalten in Finance research letters New York : Elsevier Science, 2004 64(2024) vom: Juni, Artikel-ID 105490, Seite 1-10 Online-Ressource (DE-627)387481583 (DE-600)2145766-9 (DE-576)259272752 1544-6123 nnns volume:64 year:2024 month:06 elocationid:105490 pages:1-10 https://www.sciencedirect.com/science/article/pii/S1544612324005208/pdfft?md5=e7783fbb07091d243cac47c8c2b533e9&pid=1-s2.0-S1544612324005208-main.pdf Verlag lizenzpflichtig https://doi.org/10.1016/j.frl.2024.105490 Resolving-System lizenzpflichtig GBV_USEFLAG_U GBV_ILN_26 ISIL_DE-206 SYSFLAG_1 GBV_KXP GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_32 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_74 GBV_ILN_90 GBV_ILN_95 GBV_ILN_100 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_187 GBV_ILN_213 GBV_ILN_224 GBV_ILN_230 GBV_ILN_370 GBV_ILN_602 GBV_ILN_702 GBV_ILN_2001 GBV_ILN_2003 GBV_ILN_2004 GBV_ILN_2005 GBV_ILN_2007 GBV_ILN_2008 GBV_ILN_2009 GBV_ILN_2010 GBV_ILN_2011 GBV_ILN_2014 GBV_ILN_2015 GBV_ILN_2020 GBV_ILN_2021 GBV_ILN_2025 GBV_ILN_2026 GBV_ILN_2027 GBV_ILN_2034 GBV_ILN_2044 GBV_ILN_2048 GBV_ILN_2049 GBV_ILN_2050 GBV_ILN_2055 GBV_ILN_2056 GBV_ILN_2059 GBV_ILN_2061 GBV_ILN_2064 GBV_ILN_2088 GBV_ILN_2106 GBV_ILN_2110 GBV_ILN_2111 GBV_ILN_2112 GBV_ILN_2122 GBV_ILN_2129 GBV_ILN_2143 GBV_ILN_2152 GBV_ILN_2153 GBV_ILN_2190 GBV_ILN_2232 GBV_ILN_2336 GBV_ILN_2470 GBV_ILN_2507 GBV_ILN_4035 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4242 GBV_ILN_4249 GBV_ILN_4251 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4333 GBV_ILN_4334 GBV_ILN_4338 GBV_ILN_4393 GBV_ILN_4700 AR 64 2024 6 105490 1-10 26 01 0206 4527319698 x1z 22-05-24 26 00 DE-206 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.
allfieldsSound	10.1016/j.frl.2024.105490 doi (DE-627)1889579750 (DE-599)KXP1889579750 DE-627 ger DE-627 rda eng Karim, Sitara verfasserin (DE-588)120465929X (DE-627)1690059095 aut BigTech, FinTech, and banks a tangle or unity? Sitara Karim, Brian M. Lucey 2024 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier BigTech (dpeaa)DE-206 Credit Risk (dpeaa)DE-206 FinTech (dpeaa)DE-206 Performance (dpeaa)DE-206 Personal loans (dpeaa)DE-206 Lucey, Brian M. verfasserin (DE-588)170646424 (DE-627)060763833 (DE-576)131511734 aut Enthalten in Finance research letters New York : Elsevier Science, 2004 64(2024) vom: Juni, Artikel-ID 105490, Seite 1-10 Online-Ressource (DE-627)387481583 (DE-600)2145766-9 (DE-576)259272752 1544-6123 nnns volume:64 year:2024 month:06 elocationid:105490 pages:1-10 https://www.sciencedirect.com/science/article/pii/S1544612324005208/pdfft?md5=e7783fbb07091d243cac47c8c2b533e9&pid=1-s2.0-S1544612324005208-main.pdf Verlag lizenzpflichtig https://doi.org/10.1016/j.frl.2024.105490 Resolving-System lizenzpflichtig GBV_USEFLAG_U GBV_ILN_26 ISIL_DE-206 SYSFLAG_1 GBV_KXP GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_32 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_74 GBV_ILN_90 GBV_ILN_95 GBV_ILN_100 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_187 GBV_ILN_213 GBV_ILN_224 GBV_ILN_230 GBV_ILN_370 GBV_ILN_602 GBV_ILN_702 GBV_ILN_2001 GBV_ILN_2003 GBV_ILN_2004 GBV_ILN_2005 GBV_ILN_2007 GBV_ILN_2008 GBV_ILN_2009 GBV_ILN_2010 GBV_ILN_2011 GBV_ILN_2014 GBV_ILN_2015 GBV_ILN_2020 GBV_ILN_2021 GBV_ILN_2025 GBV_ILN_2026 GBV_ILN_2027 GBV_ILN_2034 GBV_ILN_2044 GBV_ILN_2048 GBV_ILN_2049 GBV_ILN_2050 GBV_ILN_2055 GBV_ILN_2056 GBV_ILN_2059 GBV_ILN_2061 GBV_ILN_2064 GBV_ILN_2088 GBV_ILN_2106 GBV_ILN_2110 GBV_ILN_2111 GBV_ILN_2112 GBV_ILN_2122 GBV_ILN_2129 GBV_ILN_2143 GBV_ILN_2152 GBV_ILN_2153 GBV_ILN_2190 GBV_ILN_2232 GBV_ILN_2336 GBV_ILN_2470 GBV_ILN_2507 GBV_ILN_4035 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4242 GBV_ILN_4249 GBV_ILN_4251 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4333 GBV_ILN_4334 GBV_ILN_4338 GBV_ILN_4393 GBV_ILN_4700 AR 64 2024 6 105490 1-10 26 01 0206 4527319698 x1z 22-05-24 26 00 DE-206 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.
language	English
source	Enthalten in Finance research letters 64(2024) vom: Juni, Artikel-ID 105490, Seite 1-10 volume:64 year:2024 month:06 elocationid:105490 pages:1-10
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spellingShingle	Karim, Sitara misc BigTech misc Credit Risk misc FinTech misc Performance misc Personal loans BigTech, FinTech, and banks a tangle or unity?
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topic_title	26 00 DE-206 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 BigTech, FinTech, and banks a tangle or unity? Sitara Karim, Brian M. Lucey BigTech (dpeaa)DE-206 Credit Risk (dpeaa)DE-206 FinTech (dpeaa)DE-206 Performance (dpeaa)DE-206 Personal loans (dpeaa)DE-206
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title_short	BigTech, FinTech, and banks
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"><subfield code="d">64</subfield><subfield code="j">2024</subfield><subfield code="c">6</subfield><subfield code="i">105490</subfield><subfield code="h">1-10</subfield></datafield><datafield tag="980" ind1=" " ind2=" "><subfield code="2">26</subfield><subfield code="1">01</subfield><subfield code="x">0206</subfield><subfield code="b">4527319698</subfield><subfield code="y">x1z</subfield><subfield code="z">22-05-24</subfield></datafield><datafield tag="982" ind1=" " ind2=" "><subfield code="2">26</subfield><subfield code="1">00</subfield><subfield code="x">DE-206</subfield><subfield code="b">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.</subfield></datafield></record></collection>
score	7.398879

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BigTech, FinTech, and banks : a tangle or unity?

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