Fintech and access to finance |
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| Institution: | 1. School of Economics, Qingdao University, Qingdao, Shandong Province, 266000, China;2. Suleman Dawood School of Business, Lahore University of Management Sciences, Lahore, Pakistan;1. Department of Management Sciences & Technology, The Begum Nusrat Bhutto Women University, Sukkur, 65170, Sindh, Pakistan;2. Salford Business School, University of Salford, Maxwell Building, Salford M5 4WT, United Kingdom;3. Leicester Castle Business School, De Montfort University, The Gateway, Leicester, LE1 9BH, United Kingdom;4. Institute of Research and Development, Duy Tan University, Danang 550000, Vietnam;5. Faculty of Business Administration, Duy Tan University, Danang 550000, Vietnam;6. Chair of Behavioral Finance, WHU – Otto Beisheim School of Management, Vallendar, Germany |
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| Abstract: | This article surveys research on the effects of digitalization on access to finance. We focus the review on access through fintech. We review the growth of three main fintech technologies, fintech lending (incl. peer-to-peer lending), crowdfunding and initial coin offerings. We discuss existing evidence on how fintech affects access to finance for firms and investors and consider the regulatory challenges it poses. We incorporate the papers in this special issue, underlining their significant contributions to our understanding of the digitalization of finance and its effects. Finally, we discuss the challenges of research in the digital finance area and propose some new avenues for future research. |
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