| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w24551 |
| 来源ID | Working Paper 24551 |
| On the Rise of FinTechs \u2013 Credit Scoring using Digital Footprints | |
| Tobias Berg; Valentin Burg; Ana Gombović; Manju Puri | |
| 发表日期 | 2018-04-30 |
| 出版年 | 2018 |
| 语种 | 英语 |
| 摘要 | We analyze the information content of the digital footprint – information that people leave online simply by accessing or registering on a website – for predicting consumer default. Using more than 250,000 observations, we show that even simple, easily accessible variables from the digital footprint equal or exceed the information content of credit bureau scores. Furthermore, the discriminatory power for unscorable customers is very similar to that of scorable customers. Our results have potentially wide implications for financial intermediaries’ business models, for access to credit for the unbanked, and for the behavior of consumers, firms, and regulators in the digital sphere. |
| 主题 | Microeconomics ; Households and Firms ; Financial Economics ; Financial Institutions ; Development and Growth ; Innovation and R& ; D |
| URL | https://www.nber.org/papers/w24551 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/582224 |
| 推荐引用方式 GB/T 7714 | Tobias Berg,Valentin Burg,Ana Gombović,et al. On the Rise of FinTechs \u2013 Credit Scoring using Digital Footprints. 2018. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w24551.pdf（1096KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
除非特别说明，本系统中所有内容都受版权保护，并保留所有权利。
