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L’impact des Fintech sur la structure des marchés bancaires

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  • Laurent Weill

Abstract

The paper investigates how Fintech can influence the structure of banking markets. Fintech have several competitive advantages relative to traditional banks. They have lower costs thanks to the use of information technologies at the core of their business model. They can supply services with higher quality like a greater reactivity facing the demand of a credit. There are however limits to the impact of Fintech. Traditional banks can have an advantage for financial costs because of their deposit-collection activity. The technological advantage of Fintech can be more or less important based on the fact that private information on the borrower plays a major role on the credit market. Classification JEL : G21, L13, O33.

Suggested Citation

  • Laurent Weill, 2019. "L’impact des Fintech sur la structure des marchés bancaires," Revue d'économie financière, Association d'économie financière, vol. 0(3), pages 181-192.
    • Handle: RePEc:cai:refaef:ecofi_135_0181
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    More about this item

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L13 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Oligopoly and Other Imperfect Markets
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

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