Lending business models and FinTechs efficiency

被引：0
作者：
Pampurini, Francesca [1 ]
Pezzola, Annagiulia [2 ]
Quaranta, Anna Grazia [3 ]
机构：
[1] Catholic Univ Sacred Heart Milan, Dept Econ & Business Management Sci, Via Necchi 5, I-20123 Milan, Italy
[2] Univ Brescia, Dept Econ & Management, Contrada Santa Chiara 50, I-25121 Brescia, Italy
[3] Univ Macerata, Dept Econ & Law, Via Crescimbeni 14, I-62100 Macerata, Italy
来源：
FINANCE RESEARCH LETTERS | 2024年 / 65卷
关键词：
Lending business models; FinTech; Efficiency; Stochastic data envelopment analysis; DATA ENVELOPMENT ANALYSIS; INNOVATION; BANKING; FUTURE;
D O I：
10.1016/j.frl.2024.105519
中图分类号：
F8 [财政、金融];
学科分类号：
0202 ;
摘要：
The aim of the study is to analyse which managerial issues can be considered the main efficiency drivers for all Italian FinTechs engaged in lending. We measure their efficiency in the period 2020-2022 via Stochastic Data Envelopment Analysis. The main determinants seem to be ROA and cost-to-income ratio; this means that the ability to control both the business risk level and costs is crucial for FinTechs' managers and other players interested in M&A deals in this industry. The results are useful for FinTechs, other financial players, regulators and supervisors in defining homogeneous rules in the lending sector.
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页数：8
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