FinTech Loans, Self-employment, and Financial Performance

FinTech: A more competitive and innovative European financial sector

Financial Sector Openness: Foreign Loans vs. FDI

We construct the first general equilibrium model of foreign direct investment (FDI) in the banking sector to compare the welfare consequences of two types of liberalization. We find that liberalizing by lifting restrictions on inflows of foreign loans is more likely to reduce the average interest rate spread (markup) than liberalizing by allowing FDI in the banking sector. Using heterogeneous, ...

Ethnic Enclaves, Self-Employment and the Economic Performance of Refugees

In this paper I estimate the causal effect of ethnic enclaves on the probability of self-employment. To account for neighborhood selection I make use of a refugee dispersal program. Results indicate that larger ethnic enclaves, measured as the share of self-employed coethnics in the municipality immigrants first arrive into, effects the probability of self-employment positively, while the share...

Other Forms of Employment: Temporary Employment Agencies and Self-Employment

Other Forms of Employment: Temporary Employment Agencies and Self-Employment In most industrialized countries the majority of employed people are full-time employees with a non-temporary job and work at a workplace of the company in which they are employed. They are making careers at the employer they are employed by and most work-place changes are to other jobs of the same type. But it does no...

A Model for relationship management with fintech and financial startups in banking industry

Todays, with the growth of competition in the banking industry, on the one hand, and the development and change of customer needs on the other hand, banks have been continuously seeking to provide modern banking services and to exploit new technologies. One of the new technologies that we have seen in the past few years in the banking industry is the Fintech and financial startups that have bro...