Will FinTech make regional banks superfluous for small firm finance? Observations from soft information‐based lending in Germany
Abstract
Regional banks have a competitive advantage in that short distances to clients enable the use of soft information for superior lending decisions. If the ambition of FinTech start‐ups to create superior screening and monitoring technologies materialises, this advantage would be diminished and regional banks would become superfluous for small firm finance. To explore this claim, the paper in hand analyses qualitative empirical data about the...
Paper Details
Title
Will FinTech make regional banks superfluous for small firm finance? Observations from soft information‐based lending in Germany
Published Date
Dec 10, 2019
Journal
Volume
49
Issue
2
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