Annual Conference

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Specialty Conference, Senior Fellows/Fellows

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May 2019

Using a unique and proprietary loan-level data from a large Fintech firm in India, we analyze whether unstructured data regarding a consumer’s digital mobile footprint such as the type of mobile phone applications, number of applications on the phone, type of operating software used by a loan appl...
Keywords: FinTech, Loans, Digital Footprint, Credit
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Annual Conference

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Specialty Conference

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May 2019

Do coordination failures constrain financial technology adoption? Exploiting the Mexican government’s rollout of one million debit cards to poor households from 2009–2012, I examine responses on both sides of the market, and find important spillovers and distributional impacts. On the supply sid...
Keywords: Coordination failiures, financial technology, spillovers, Mexico
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Annual Conference

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Specialty Conference

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May 2021

We study the spending response of first-time borrowers to an overdraft facility and elicit their preferences, beliefs, and motives through a FinTech application. Users increase their spending permanently, lower their savings rate, and reallocate spending from non-discretionary to discretionary goods...
Keywords: Digital Footprint, Beliefs, Bank Credit, Household Finance, Behavioral finance
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Annual Conference

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Accounting, Senior Fellows/Fellows

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May 2019

Prior work based on cross-country evidence reaches different conclusions regarding the efficacy of public versus private enforcement of securities laws (La Porta, Lopez-de-Silanes, and Shleifer 2006; Jackson and Roe 2009). China presents a unique opportunity to study public enforcement of mandatory ...
Keywords: public enforcement, private enforcement, Comment letters, amendment, Disclosure, Earnings Management, bid-ask spread, cost of equity, sanction
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Annual Conference

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International Macroeconomics, Money & Banking

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May 2019

This paper isolates the demand and supply factors of credit extension. We construct a new dataset that combines loan application information from the credit register with individuals’ income and banks’ balance sheet for the period 2014-2016. Using this dataset, we verify the importance of banks'...
Keywords: Supply factor, demand factor, household loan approval, credit register, funding ratio
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