The impacts of fintech on small business borrowing

Palladino, Lenore

doi:10.1080/08276331.2020.1796110

Cited by 7 publications

(3 citation statements)

References 17 publications

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“…Based on the IMF reports the GCC member countries (including six countries named Bahrain, Kuwait, Oman, Kingdom of Saudi Arabia (KSA), United Arab Emirates (UAE), and the State of Qatar) are listed in developing countries list. 121,122 After thoroughly analyzing the extant, it was concluded that some of the GCC member countries like Turkey, KSA, UAE, Bahrain and the State of Qatar have reported significant work and encouraged FinTech-based revolution 41 Fernando et al, 42 Mei et al, 43 Pantielieieva et al, 44 Seara et al, 45 Xiang et al, 46 Itkin et al, 47 Kalra, 48 Siek and Sutanto, 49 Ahmed and Kumar, 50 Arora and Kaur, 51 69 Carlini et al, 70 Chen et al, 71 Jiao et al, 72 Laidroo et al, 73 Lee et al, 74 Zhang et al, 75 Muthukannan et al, 31 Leong et al, 76 Sheng 77 Degerli, 10 Banna et al, 17 Lee and Shin, 78 Dranev et al, 79 Thakor, 80 Boot et al, 81 Wang et al 82 Taylor & Francis Davis et al, 83 Gozman et al, 84 Bernards, 85 Boratyn ´ska, 86 Demir et al, 87 Friedline et al, 88 Laidroo and Avarmaa, 89 Palladino, 90 Brown and Piroska, 91 Haddad and Hornuf 118 in their financial and banking sectors but still there is a lot of work to do to track the FinTech and meet with the digital revolution. A survey report…”

Section: Resultsmentioning

confidence: 99%

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Utilizing the collective wisdom of fintech in the gcc region: A systematic mapping approach

Khan

Nazir

2022

Measurement and Control

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Globally, with the maturity of information technology, society is now in the information age, magnifying the significance of integrating innovative applications in different financial and other regulatory arenas. The emergence of financial technology (FinTech) based applications has transformed the traditional banking and regulatory systems and enhanced customer satisfaction by providing a balanced environment for protecting its customers from risky behavior or other potential disruptions. Besides these critical applications of FinTech in the financial industry, it is not developed in the Gulf Cooperation Council (GCC) region as in China, United States, and other developed countries. In order to bridge the gaps in the extant by identifying the critical factors involved, this research work presents a systematic analysis of the available literature reported during the period ranging from 2016 to 2021. This systematic mapping of the extant was performed by selecting five different research questions. The key objectives of this systematic research work are, (1) To identify the barriers that restrict the rise of FinTech in the GCC region, (2) Analyze the behavior of different communities regarding the adaptation of FinTech by evaluating the case studies reported, (3) the impacts of FinTech on different communities in the GCC region. (4) The findings of this research work will not only help the state development bodies by encouraging its stakeholders to use FinTech-driven applications in banking, markets, etc. but it will also help the people in maintaining long-term connection with the Ministries of Foreign Affairs, the Dutch regulators, Economic Affairs, the Dutch Central Bank (DNB), as well as with the Authority on Financial Markets (AFM), and (5) this study work will present new research directions for the research community to explore in the near future.

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Section: Resultsmentioning

confidence: 99%

“…Chinnasamy et al, 7 Duque et al, 33 Warjiyono et al, 34 Mei et al, 43 Seara et al, 45 Caragea et al, 53 Selim, 58 Anagnostopoulos, 65 Ju ¨nger and Mietzner, 68 Boot et al, 81 Laidroo and Avarmaa, 89 Palladino, 90 Yao and Song, 95 Mention, 97 Panos and Wilson, 98 Yoon and Jun, 100 Das, 107 Awotunde et al, 112 4.…”

Section: Ai and Mlbased Modelsmentioning

confidence: 99%

Utilizing the collective wisdom of fintech in the gcc region: A systematic mapping approach

Khan

Nazir

2022

Measurement and Control

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“…But other data show on a relative basis funds covered a much lower percentage of pre-pandemic payroll employee costs in Asian (26%), Black (37%), and Latinx (43%) neighborhoods versus White (49%) communities(Pech et al, 2020).15 Areas with lower incomes, smaller bank footprints, and larger BIPOC populations were thus more likely to seek and be approved for PPP loans from fintech firms(Chernenko & Scharfstein, 2022;Erel & Liebersohn, 2020). However, caution is needed in this area because much data show this sector is more likely to engage in predatory lending practices(Maggio et al, 2022;Palladino, 2020;Ueda et al, 2022).16 Although the positive employment effect quickly seemed to wane, it remains notable because PPP aid was structured around employment retention, not job creation.…”

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confidence: 99%

Extraordinary Times Call for Extraordinary Measures: Small Business Assistance During the Pandemic

McCall¹,

Weston²,

Roberson³

et al. 2022

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The financial losses caused by COVID-19 are extraordinary in scope and have affected every facet of the small business ecosystem. For entrepreneurs, recovery from the pandemic has similarly required extraordinary levels of assistance. We assess the connection between COVID-19 grant and loan emergency interventions with a variety of positive community economic development impacts. Our analysis draws from a survey of aid recipients across ten COVID-19 relief programs offered or administered by Carolina Small Business Development Fund between February 2020 and February 2022. The data highlight three main findings. First, while the pandemic’s economic damage was high across all underprivileged communities, in many cases the harms disproportionately accrued to Black-owned firms. Second, the results show that grant initiatives are better for short-term financial stability and are likely to position recipients for future financing opportunities. Finally, disaster loans are favored for outcomes related to higher employment retention and a creating a more favorable business sentiment outlook.

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FinTech in small and medium enterprises (SMEs): A review and future research agenda

Verma,

Shome,

Hassan

2023

European Management Journal

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The impacts of fintech on small business borrowing

Cited by 7 publications

References 17 publications

Utilizing the collective wisdom of fintech in the gcc region: A systematic mapping approach

Utilizing the collective wisdom of fintech in the gcc region: A systematic mapping approach

Extraordinary Times Call for Extraordinary Measures: Small Business Assistance During the Pandemic

FinTech in small and medium enterprises (SMEs): A review and future research agenda

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