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The roles of alternative data and machine learning in fintech lending: Evidence from the LendingClub consumer platform

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  1. Fitzpatrick, Trevor & Mues, Christophe, 2021. "How can lenders prosper? Comparing machine learning approaches to identify profitable peer-to-peer loan investments," European Journal of Operational Research, Elsevier, vol. 294(2), pages 711-722.
  2. Dai, Yue & Chen, Minhao & Zuo, Zhengyu, 2023. "Neighbors in space: Satellite imagery and Chinese B-share discount," China Economic Review, Elsevier, vol. 82(C).
  3. Huang, Yiping & Li, Zhenhua & Qiu, Han & Tao, Sun & Wang, Xue & Zhang, Longmei, 2023. "BigTech credit risk assessment for SMEs," China Economic Review, Elsevier, vol. 81(C).
  4. Chen, Pei-Fen & Lo, Shihmin & Tang, Hai-Yuan, 2022. "What if borrowers stop paying their loans? Investors’ rates of return on a peer-to-peer lending platform," International Review of Economics & Finance, Elsevier, vol. 77(C), pages 359-377.
  5. Ping-Lun Tseng & Wen-Chung Guo, 2022. "Fintech, Credit Market Competition, and Bank Asset Quality," Journal of Financial Services Research, Springer;Western Finance Association, vol. 61(3), pages 285-318, June.
  6. Oskar Kowalewski & Pawel Pisany & Emil Slazak, 2021. "What determines cross-country differences in fintech and bigtech credit markets?," Working Papers 2021-ACF-02, IESEG School of Management.
  7. Hughes, Joseph P. & Moon, Choon-Geol, 2022. "How bad is a bad loan? Distinguishing inherent credit risk from inefficient lending (Does the capital market price this difference?)," Journal of Economics and Business, Elsevier, vol. 120(C).
  8. Erik Dolson & Julapa Jagtiani, 2021. "Which Lenders Are More Likely to Reach Out to Underserved Consumers: Banks versus Fintechs versus Other Nonbanks?," Working Papers 21-17, Federal Reserve Bank of Philadelphia.
  9. Shota Ichihashi & Alex Smolin, 2023. "Buyer-Optimal Algorithmic Consumption," Papers 2309.12122, arXiv.org, revised Sep 2024.
  10. Allen, Franklin & Gu, Xian & Jagtiani, Julapa, 2022. "Fintech, Cryptocurrencies, and CBDC: Financial Structural Transformation in China," Journal of International Money and Finance, Elsevier, vol. 124(C).
  11. Peng, Hongfeng & Ji, Jiao & Sun, Hanwen & Xu, Haofeng, 2023. "Legal enforcement and fintech credit: International evidence," Journal of Empirical Finance, Elsevier, vol. 72(C), pages 214-231.
  12. Stefania Albanesi & Domonkos F. Vamossy, 2019. "Predicting Consumer Default: A Deep Learning Approach," NBER Working Papers 26165, National Bureau of Economic Research, Inc.
  13. Eccles, Peter & Grout, Paul & Siciliani, Paolo & Zalewska, Anna, 2021. "The impact of machine learning and big data on credit markets," Bank of England working papers 930, Bank of England.
  14. Cuadros-Solas, Pedro J. & Cubillas, Elena & Salvador, Carlos, 2023. "Does alternative digital lending affect bank performance? Cross-country and bank-level evidence," International Review of Financial Analysis, Elsevier, vol. 90(C).
  15. Rishabh, Kumar & Schäublin, Jorma, 2021. "Payment Fintechs and Debt Enforcement," Working papers 2021/02, Faculty of Business and Economics - University of Basel.
  16. Franklin Allen & Xian Gu & Julapa Jagtiani, 2021. "A Survey of Fintech Research and Policy Discussion," Review of Corporate Finance, now publishers, vol. 1(3-4), pages 259-339, July.
  17. Joseph P. Hughes & Julapa Jagtiani & Choon-Geol Moon, 2022. "Consumer lending efficiency: commercial banks versus a fintech lender," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 8(1), pages 1-39, December.
  18. Cornelli, Giulio & Frost, Jon & Gambacorta, Leonardo & Jagtiani, Julapa, 2024. "The impact of fintech lending on credit access for U.S. small businesses," Journal of Financial Stability, Elsevier, vol. 73(C).
  19. Xie, Xueyan & Zhu, Xiaoyang, 2022. "FinTech and capital allocation efficiency: Another equity-efficiency dilemma?," Global Finance Journal, Elsevier, vol. 53(C).
  20. Pandey, Dharen Kumar & Hassan, M.Kabir & Kumari, Vineeta & Zaied, Younes Ben & Rai, Varun Kumar, 2024. "Mapping the landscape of FinTech in banking and finance: A bibliometric review," Research in International Business and Finance, Elsevier, vol. 67(PA).
  21. He, Qing & Li, Xiaoyang, 2021. "The failure of Chinese peer-to-peer lending platforms: Finance and politics," Journal of Corporate Finance, Elsevier, vol. 66(C).
  22. Revathi Bhuvaneswari & Antonio Segalini, 2020. "Determining Secondary Attributes for Credit Evaluation in P2P Lending," Papers 2006.13921, arXiv.org.
  23. Jérémie Bertrand & Laurent Weill, 2022. "In December days are shorter but loans are cheaper," Economic Inquiry, Western Economic Association International, vol. 60(3), pages 1335-1356, July.
  24. Thomas J. Chemmanur & Michael B. Imerman & Harshit Rajaiya & Qianqian Yu, 2020. "Recent Developments In The Fintech Industry," Journal of Financial Management, Markets and Institutions (JFMMI), World Scientific Publishing Co. Pte. Ltd., vol. 8(01), pages 1-31, June.
  25. Zhou, Nan & Sun, Ruohan, 2024. "Coping with the storm: The role of fintech in SME survival," International Review of Financial Analysis, Elsevier, vol. 93(C).
  26. Tang, Yunfeng & Zhang, Xuan & Lu, Shibao & Taghizadeh-Hesary, Farhad, 2023. "Digital finance and air pollution in China: Evolution characteristics, impact mechanism and regional differences," Resources Policy, Elsevier, vol. 86(PA).
  27. Tobias Berg & Andreas Fuster & Manju Puri, 2022. "FinTech Lending," Annual Review of Financial Economics, Annual Reviews, vol. 14(1), pages 187-207, November.
  28. Loutfi, Ahmad Amine, 2022. "A framework for evaluating the business deployability of digital footprint based models for consumer credit," Journal of Business Research, Elsevier, vol. 152(C), pages 473-486.
  29. Yiping Huang & Xue Wang & Xun Wang, 2020. "Mobile Payment in China: Practice and Its Effects," Asian Economic Papers, MIT Press, vol. 19(3), pages 1-18, Fall.
  30. Dong, Yingwei & Gou, Qin & Qiu, Han, 2023. "Big tech credit score and default risk ——Evidence from loan-level data of a representative microfinance company in China," China Economic Review, Elsevier, vol. 81(C).
  31. Choudhary, Priya & Thenmozhi, M., 2024. "Fintech and financial sector: ADO analysis and future research agenda," International Review of Financial Analysis, Elsevier, vol. 93(C).
  32. Tasadduq Imam & Angelique McInnes & Sisira Colombage & Robert Grose, 2022. "Opportunities and Barriers for FinTech in SAARC and ASEAN Countries," JRFM, MDPI, vol. 15(2), pages 1-37, February.
  33. Janbek, Khalil-Etienne & Bancel, Franck, 2024. "Fintech lenders and borrowers screening: Superior abilities or lax practices?," Finance Research Letters, Elsevier, vol. 63(C).
  34. Serena Gallo, 2021. "Fintech platforms: Lax or careful borrowers’ screening?," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 7(1), pages 1-33, December.
  35. Kowalewski, Oskar & Pisany, Paweł, 2022. "Banks' consumer lending reaction to fintech and bigtech credit emergence in the context of soft versus hard credit information processing," International Review of Financial Analysis, Elsevier, vol. 81(C).
  36. Omar H. Fares & Irfan Butt & Seung Hwan Mark Lee, 2023. "Utilization of artificial intelligence in the banking sector: a systematic literature review," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 28(4), pages 835-852, December.
  37. Lihua Zuo & Jack Strauss & Lijuan Zuo, 2021. "The Digitalization Transformation of Commercial Banks and Its Impact on Sustainable Efficiency Improvements through Investment in Science and Technology," Sustainability, MDPI, vol. 13(19), pages 1-17, October.
  38. Croux, Christophe & Jagtiani, Julapa & Korivi, Tarunsai & Vulanovic, Milos, 2020. "Important factors determining Fintech loan default: Evidence from a lendingclub consumer platform," Journal of Economic Behavior & Organization, Elsevier, vol. 173(C), pages 270-296.
  39. Doerr, Sebastian & Frost, Jon & Gambacorta, Leonardo & Shreeti, Vatsala, 2023. "Big techs in finance," CEPR Discussion Papers 18665, C.E.P.R. Discussion Papers.
  40. Gao, Mingze & Leung, Henry & Liu, Linhui & Qiu, Buhui, 2023. "Consumer behaviour and credit supply: Evidence from an Australian FinTech lender," Finance Research Letters, Elsevier, vol. 57(C).
  41. Marcus Buckmann & Andy Haldane & Anne-Caroline Hüser, 2021. "Comparing minds and machines: implications for financial stability," Oxford Review of Economic Policy, Oxford University Press and Oxford Review of Economic Policy Limited, vol. 37(3), pages 479-508.
  42. Hughes, Joseph P. & Jagtiani, Julapa & Mester, Loretta J. & Moon, Choon-Geol, 2019. "Does scale matter in community bank performance? Evidence obtained by applying several new measures of performance," Journal of Banking & Finance, Elsevier, vol. 106(C), pages 471-499.
  43. Hodula, Martin, 2023. "Interest rates as a finance battleground? The rise of Fintech and big tech credit providers and bank interest margin," Finance Research Letters, Elsevier, vol. 53(C).
  44. Dömötör, Barbara & Ölvedi, Tímea, 2021. "A személyközi hitelezés létjogosultsága a pénzügyi közvetítésben [The relevance of peer-to-peer lending in financial intermediation]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(7), pages 773-793.
  45. Wall, Larry D., 2018. "Some financial regulatory implications of artificial intelligence," Journal of Economics and Business, Elsevier, vol. 100(C), pages 55-63.
  46. Doumpos, Michalis & Zopounidis, Constantin & Gounopoulos, Dimitrios & Platanakis, Emmanouil & Zhang, Wenke, 2023. "Operational research and artificial intelligence methods in banking," European Journal of Operational Research, Elsevier, vol. 306(1), pages 1-16.
  47. Kowalewski, Oskar & Pisany, Paweł & Ślązak, Emil, 2022. "Digitalization and data, institutional quality and culture as drivers of technology-based credit providers," Journal of Economics and Business, Elsevier, vol. 121(C).
  48. Xia, Yanchun & Qiao, Zhilin & Xie, Guanghua, 2022. "Corporate resilience to the COVID-19 pandemic: The role of digital finance," Pacific-Basin Finance Journal, Elsevier, vol. 74(C).
  49. Christian Haddad & Lars Hornuf, 2021. "The Impact of Fintech Startups on Financial Institutions' Performance and Default Risk," CESifo Working Paper Series 9050, CESifo.
  50. Tigges, Maximilian & Mestwerdt, Sönke & Tschirner, Sebastian & Mauer, René, 2024. "Who gets the money? A qualitative analysis of fintech lending and credit scoring through the adoption of AI and alternative data," Technological Forecasting and Social Change, Elsevier, vol. 205(C).
  51. Giulio Cornelli & Jon Frost & Leonardo Gambacorta & Raghavendra Rau & Robert Wardrop & Tania Ziegler, 2020. "Fintech and big tech credit: a new database," BIS Working Papers 887, Bank for International Settlements.
  52. Hui Zhou & Lin Xu, 2023. "Bank Digital Transformation and Enterprise Innovation—Evidence from China," Sustainability, MDPI, vol. 15(22), pages 1-25, November.
  53. Danisewicz, Piotr & Elard, Ilaf, 2023. "The real effects of financial technology: Marketplace lending and personal bankruptcy," Journal of Banking & Finance, Elsevier, vol. 155(C).
  54. Cornelli, Giulio & Frost, Jon & Gambacorta, Leonardo & Rau, P. Raghavendra & Wardrop, Robert & Ziegler, Tania, 2023. "Fintech and big tech credit: Drivers of the growth of digital lending," Journal of Banking & Finance, Elsevier, vol. 148(C).
  55. Pankaj Kumar Maskara & Emre Kuvvet & Gengxuan Chen, 2021. "The role of P2P platforms in enhancing financial inclusion in the United States: An analysis of peer‐to‐peer lending across the rural–urban divide," Financial Management, Financial Management Association International, vol. 50(3), pages 747-774, September.
  56. Štefan Lyócsa & Petra Vašaničová & Branka Hadji Misheva & Marko Dávid Vateha, 2022. "Default or profit scoring credit systems? Evidence from European and US peer-to-peer lending markets," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 8(1), pages 1-21, December.
  57. Wei Liu & Youfa Sun & Serhat Yüksel & Hasan Dinçer, 2021. "Consensus-based multidimensional due diligence of fintech-enhanced green energy investment projects," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 7(1), pages 1-31, December.
  58. Nam, Rachel J., 2022. "Open banking and customer data sharing: Implications for FinTech borrowers," SAFE Working Paper Series 364, Leibniz Institute for Financial Research SAFE.
  59. Linhui Wang & Jianping Zhu & Chenlu Zheng & Zhiyuan Zhang, 2024. "Incorporating Digital Footprints into Credit-Scoring Models through Model Averaging," Mathematics, MDPI, vol. 12(18), pages 1-15, September.
  60. Alraqeb Zeynep & Knaack Peter & Macaire Camille, 2022. "Does FinTech Promote Entrepreneurship? Evidence from China [L’adoption des Fintech favorise-t-elle l’entreprenariat ? Le cas de la Chine]," Working papers 895, Banque de France.
  61. Hodula, Martin, 2024. "Beyond innovation: Fintech credit and its ripple effects on traditional banking profitability," Finance Research Letters, Elsevier, vol. 63(C).
  62. José Antonio Núñez Mora & Pamela Moncayo & Carlos Franco & Pilar Madrazo-Lemarroy & Jaime Beltrán, 2023. "Loan Default Prediction: A Complete Revision of LendingClub," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 18(3), pages 1-13, Julio - S.
  63. Adugna, Hailu, 2024. "Fintech dividend: How would digital financial services impact income inequality across countries?," Technology in Society, Elsevier, vol. 77(C).
  64. Zack Jourdan & J. Ken. Corley & Randall Valentine & Arthur M. Tran, 2023. "Fintech: A content analysis of the finance and information systems literature," Electronic Markets, Springer;IIM University of St. Gallen, vol. 33(1), pages 1-21, December.
  65. Wu, Fei & Hu, Yan & Shen, Me, 2024. "The color of FinTech: FinTech and corporate green transformation in China," International Review of Financial Analysis, Elsevier, vol. 94(C).
  66. Ka Chung Ng & Ping Fan Ke & Mike K. P. So & Kar Yan Tam, 2023. "Augmenting fake content detection in online platforms: A domain adaptive transfer learning via adversarial training approach," Production and Operations Management, Production and Operations Management Society, vol. 32(7), pages 2101-2122, July.
  67. Sumin Hu & Qi Zhu & Xia Zhao & Ziyue Xu, 2023. "Digital Finance and Corporate Sustainability Performance: Promoting or Restricting? Evidence from China’s Listed Companies," Sustainability, MDPI, vol. 15(13), pages 1-16, June.
  68. Lopez, Claude & Smith, Benjamin, 2021. "Overcoming Trade-Offs in Tech Regulation," MPRA Paper 107679, University Library of Munich, Germany.
  69. Ying Lei Toh, 2023. "Addressing Traditional Credit Scores as a Barrier to Accessing Affordable Credit," Economic Review, Federal Reserve Bank of Kansas City, vol. 0(no. 3), pages 1-22, June.
  70. Wang, Xiaoting & Hou, Siyuan & Kyaw, Khine & Xue, Xupeng & Liu, Xueqin, 2023. "Exploring the determinants of Fintech Credit: A comprehensive analysis," Economic Modelling, Elsevier, vol. 126(C).
  71. Zhang, Xiaoyan & Li, Jinbao & Xiang, Dong & Worthington, Andrew C., 2023. "Digitalization, financial inclusion, and small and medium-sized enterprise financing: Evidence from China," Economic Modelling, Elsevier, vol. 126(C).
  72. Jiang, Jinglin & Liao, Li & Lu, Xi & Wang, Zhengwei & Xiang, Hongyu, 2021. "Deciphering big data in consumer credit evaluation," Journal of Empirical Finance, Elsevier, vol. 62(C), pages 28-45.
  73. Andrés Alonso Robisco & José Manuel Carbó Martínez, 2022. "Measuring the model risk-adjusted performance of machine learning algorithms in credit default prediction," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 8(1), pages 1-35, December.
  74. Liu, Shiang & Yang, Changyu, 2024. "The role of FinTech lenders in mortgage market: Evidence from corporate relocations," Finance Research Letters, Elsevier, vol. 63(C).
  75. Brandon Goldstein & Julapa Jagtiani & Catharine Lemieux, 2023. "Did Fintech Loans Default More During the COVID-19 Pandemic? Were Fintech Firms “Cream-Skimming” the Best Borrowers?," Working Papers 23-26, Federal Reserve Bank of Philadelphia.
  76. John M. Griffin & Samuel Kruger & Prateek Mahajan, 2023. "Did FinTech Lenders Facilitate PPP Fraud?," Journal of Finance, American Finance Association, vol. 78(3), pages 1777-1827, June.
  77. Bollaert, Helen & Lopez-de-Silanes, Florencio & Schwienbacher, Armin, 2021. "Fintech and access to finance," Journal of Corporate Finance, Elsevier, vol. 68(C).
  78. Yang, Lihong & Wang, Shixun, 2022. "Do fintech applications promote regional innovation efficiency? Empirical evidence from China," Socio-Economic Planning Sciences, Elsevier, vol. 83(C).
  79. Wang, Xiangnan & She, Kexin & Bian, Wenlong, 2024. "Clan culture and participation in FinTech-based risk sharing," Pacific-Basin Finance Journal, Elsevier, vol. 83(C).
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  81. Hyunwoo Woo & So Young Sohn, 2022. "A credit scoring model based on the Myers–Briggs type indicator in online peer-to-peer lending," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 8(1), pages 1-19, December.
  82. Abbasi, Kaleemullah & Alam, Ashraful & Du, Min (Anna) & Huynh, Toan Luu Duc, 2021. "FinTech, SME efficiency and national culture: Evidence from OECD countries," Technological Forecasting and Social Change, Elsevier, vol. 163(C).
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