Fintech Entry, Lending Market Competition, and Welfare ​

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Authors: Zhiqiang Ye, Xavier Vives
Year: 2025
Journal: Journal of Financial Economics
DOI: 10.1016/j.jfinec.2025.105234

Keywords: fintech, lending, competition, welfare, financial inclusion

Abstract ​

This paper examines how fintech entry affects lending market competition and overall welfare, demonstrating that fintech entrants can enhance competition and improve welfare for borrowers.

Cite this paper ​

@misc{fintechentrylendingcompetition2025,
  title  = {Fintech Entry, Lending Market Competition, and Welfare},
  author = {Zhiqiang Ye, Xavier Vives},
  year   = {2025},
  journal = {Journal of Financial Economics},
  doi    = {10.1016/j.jfinec.2025.105234},
  url    = {https://doi.org/10.1016/j.jfinec.2025.105234},
}

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