Examining irresponsible lending using non-radial inefficiency measures: Evidence from Australian banks

Moradi‐Motlagh, Amir; Jubb, Christine

doi:10.1016/j.eap.2020.03.003

Cited by 6 publications

(2 citation statements)

References 41 publications

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“…The first relates to profitability, and the second is linked with the risk exposure. Many studies, notably ( Robin et al, 2018 , Moradi-Motlagh and Jubb, 2020 , Cincinelli and Piatti, 2021 , Fallanca et al, 2020 ), argue that banking performance is a function of their earnings yield and risk exposure. In line with these propositions, we opt for banking spread as an indicator of profitability and default likelihood as the measure of risk.…”

Section: Research Methodology and Datamentioning

confidence: 99%

Green Banking—Can Financial Institutions support green recovery?

Chen

Mirza²,

Huang³

et al. 2022

Economic Analysis and Policy

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Section: Research Methodology and Datamentioning

confidence: 99%

Green Banking—Can Financial Institutions support green recovery?

Chen

Mirza²,

Huang³

et al. 2022

Economic Analysis and Policy

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“…This issue may have been reflected in the policy and regulators’ concerns to allow BNPL to remain less directly regulated than CCs. BNPL has ‘arrived’ at a time where 3 in 10 households are over-indebted, 21 contributed in part due to irresponsible lending (Moradi-Motlagh and Jubb, 2020). BNPL is a greater risk if introduced in an economy in which households and consumers have excess debt.…”

Section: Bnpl Overviewmentioning

confidence: 99%

Fintech and responsibility: Buy-now-pay-later arrangements

Gerrans

Baur

Lavagna-Slater

2021

Australian Journal of Management

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Buy-now-pay-later (BNPL) arrangements have rapidly emerged as a short-term debt option, and like other innovative and disruptive Fintech, challenge existing regulation. BNPL arrangements avoided prescribed ‘responsible lending’ legislative obligations, which applied to similar short-term credit products. Instead, BNPL relies on ‘responsible spending’ in providing a potentially cheaper option than alternatives such as credit cards. We describe the interplay of regulation and responsibility with BNPL. A survey investigates whether a key demographic (young adults) have an appetite or skill for responsible use. We analyse the preference for BNPL relative to credit cards and the role of financial literacy and traits including propensity to plan and save. The findings suggest that financial literacy reduces perceived BNPL benefits and that lower financial literacy is associated with more benefits and less risks. JEL Classification: G53, D14, G51, G41, G18

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An empirical analysis of exchange-traded funds in the US

Valadkhani

Moradi‐Motlagh

2023

Economic Analysis and Policy

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Examining irresponsible lending using non-radial inefficiency measures: Evidence from Australian banks

Cited by 6 publications

References 41 publications

Green Banking—Can Financial Institutions support green recovery?

Green Banking—Can Financial Institutions support green recovery?

Fintech and responsibility: Buy-now-pay-later arrangements

An empirical analysis of exchange-traded funds in the US

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