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How asset transformation matters for the fate of technology-led banks?

Author

Listed:
  • Maxence Miéra

    (UA - Université d'Artois, LEM - Lille économie management - UMR 9221 - UA - Université d'Artois - UCL - Université catholique de Lille - Université de Lille - CNRS - Centre National de la Recherche Scientifique)

  • Nicolas Bédu

    (UM - Université de Montpellier, UMR ART-Dev - Acteurs, Ressources et Territoires dans le Développement - Cirad - Centre de Coopération Internationale en Recherche Agronomique pour le Développement - UPVM - Université Paul-Valéry - Montpellier 3 - UPVD - Université de Perpignan Via Domitia - CNRS - Centre National de la Recherche Scientifique - UM - Université de Montpellier)

  • Viola Lamani

    (UMR ART-Dev - Acteurs, Ressources et Territoires dans le Développement - Cirad - Centre de Coopération Internationale en Recherche Agronomique pour le Développement - UPVM - Université Paul-Valéry - Montpellier 3 - UPVD - Université de Perpignan Via Domitia - CNRS - Centre National de la Recherche Scientifique - UM - Université de Montpellier, UPVM - Université Paul-Valéry - Montpellier 3)

Abstract

This paper examines the efficiency of technology-led banks (i.e. internet banks, mobile banks or FinTech startups offering banking services) in a simple theoretical model using conventional banks as a competitive benchmark. We show that the fate of technology-led banks crucially relies on their level of asset transformation. We identify two critical thresholds of asset transformation in a general contractual setting. The first determines whether technology-led banks are feasible to set up, while the second determines when technology-led banks are at least as attractive as conventional banks.

Suggested Citation

  • Maxence Miéra & Nicolas Bédu & Viola Lamani, 2024. "How asset transformation matters for the fate of technology-led banks?," Post-Print halshs-04711882, HAL.
    • Handle: RePEc:hal:journl:halshs-04711882
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