Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/289198 
Year of Publication: 
2022
Citation: 
[Journal:] Cogent Business & Management [ISSN:] 2331-1975 [Volume:] 9 [Issue:] 1 [Article No.:] 2112527 [Year:] 2022 [Pages:] 1-18
Publisher: 
Taylor & Francis, Abingdon
Abstract: 
This study relies on an aggregate dataset of 73 countries from 2013 to 2018 to investigate the nexus between fintech credit, credit information sharing on bank stability. We document several significant findings. First, our evidence implies that fintech credit tends to improve bank stability. This suggests that as fintech credit grows, it certainly competes with banks, but it also strengthens banks' stability. Second, credit information sharing increases bank stability. Thirdly, it is found that the impact of fintech credit on bank stability may depend on credit information sharing. Specifically, the presence of credit information sharing institutions may facilitate the positive effect of fintech credit on bank stability. This result remains unchanged to the introduction of alternative regression, as well as an alternative dependent variable. Finally, policy implications are discussed based on the findings of the research.
Subjects: 
bank stability
credit information sharing
fintech
JEL: 
F21
G32
Q55
Persistent Identifier of the first edition: 
Creative Commons License: 
cc-by Logo
Document Type: 
Article

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