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- Publisher Website: 10.1111/jofi.13384
- Scopus: eid_2-s2.0-85202675382
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Article: FinTech Credit and Entrepreneurial Growth
Title | FinTech Credit and Entrepreneurial Growth |
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Authors | |
Issue Date | 30-Aug-2024 |
Publisher | Wiley |
Citation | The Journal of Finance, 2024, v. 79, n. 5, p. 3309-3359 How to Cite? |
Abstract | Based on automated credit lines to vendors trading on Alibaba's online retail platform and a discontinuity in the credit decision algorithm, we document that a vendor's access to FinTech credit boosts its sales growth, transaction growth, and the level of customer satisfaction gauged by product, service, and consignment ratings. These effects are more pronounced for vendors characterized by greater information asymmetry about their credit risk and less collateral, which reveals the information advantage of FinTech credit over traditional credit technology. |
Persistent Identifier | http://hdl.handle.net/10722/346206 |
ISSN | 2023 Impact Factor: 7.6 2023 SCImago Journal Rankings: 19.139 |
DC Field | Value | Language |
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dc.contributor.author | Hau, Harald | - |
dc.contributor.author | Huang, Yi | - |
dc.contributor.author | Lin, Chen | - |
dc.contributor.author | Shan, Hongzhe | - |
dc.contributor.author | Sheng, Zixia | - |
dc.contributor.author | Wei, Lai | - |
dc.date.accessioned | 2024-09-12T00:30:50Z | - |
dc.date.available | 2024-09-12T00:30:50Z | - |
dc.date.issued | 2024-08-30 | - |
dc.identifier.citation | The Journal of Finance, 2024, v. 79, n. 5, p. 3309-3359 | - |
dc.identifier.issn | 0022-1082 | - |
dc.identifier.uri | http://hdl.handle.net/10722/346206 | - |
dc.description.abstract | <p>Based on automated credit lines to vendors trading on Alibaba's online retail platform and a discontinuity in the credit decision algorithm, we document that a vendor's access to FinTech credit boosts its sales growth, transaction growth, and the level of customer satisfaction gauged by product, service, and consignment ratings. These effects are more pronounced for vendors characterized by greater information asymmetry about their credit risk and less collateral, which reveals the information advantage of FinTech credit over traditional credit technology.<br></p> | - |
dc.language | eng | - |
dc.publisher | Wiley | - |
dc.relation.ispartof | The Journal of Finance | - |
dc.title | FinTech Credit and Entrepreneurial Growth | - |
dc.type | Article | - |
dc.identifier.doi | 10.1111/jofi.13384 | - |
dc.identifier.scopus | eid_2-s2.0-85202675382 | - |
dc.identifier.volume | 79 | - |
dc.identifier.issue | 5 | - |
dc.identifier.spage | 3309 | - |
dc.identifier.epage | 3359 | - |
dc.identifier.eissn | 1540-6261 | - |
dc.identifier.issnl | 0022-1082 | - |