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Keywords:technology 

Report
The role of technology in mortgage lending

Technology-based (?FinTech?) lenders increased their market share of U.S. mortgage lending from 2 percent to 8 percent from 2010 to 2016. Using market-wide, loan-level data on U.S. mortgage applications and originations, we show that FinTech lenders process mortgage applications about 20 percent faster than other lenders, even when controlling for detailed loan, borrower, and geographic observables. Faster processing does not come at the cost of higher defaults. FinTech lenders adjust supply more elastically than other lenders in response to exogenous mortgage demand shocks, thereby ...
Staff Reports , Paper 836

Speech
Opening Remarks for Technology-Enabled Disruption: Lessons from the Pandemic and the Path Ahead

Dallas Fed President Lorie Logan delivered this address to open the second day of the conference hosted by the Federal Reserve Banks of Atlanta, Dallas and Richmond Oct. 3–4 in Atlanta. The text is as prepared for delivery.
Speeches and Essays

Speech
The complexity of culture reform in finance: remarks at the 4th Annual Culture and Conduct Forum for the Financial Services Industry, London

Remarks at the 4th Annual Culture and Conduct Forum for the Financial Services Industry, London.
Speech , Paper 294

Journal Article
Energy transition means more than just additional electric vehicles

Dallas Fed economist David Rapson discusses the challenges of moving away from a fossil-fuel-dependent economy.
Southwest Economy

Speech
Conference on Technology-Enabled Disruption: Implications for Business, Labor Markets, and Monetary Policy

Introductory Remarks: Panel on Broader Labor Market Implications of Technology-Enabled Disruption. Philadelphia Fed President Patrick T. Harker recently spoke in Dallas about advances in technology and how it's vitally important that we educate and train U.S. workers to meet the needs of a changing labor market.
Speech , Paper 152

Report
Financial-sector foreign direct investment and host countries: new and old lessons

Many of the lessons from foreign direct investment (FDI) research on manufacturing and extractive resource industries are applicable to FDI research on the financial sector. This paper summarizes the main findings and policy themes of FDI research, with a primary focus on the implications of FDI for host countries, especially emerging market economies. I review evidence of technology transfers, productivity spillovers, wage effects, macroeconomic growth, and fiscal and tax concerns. Throughout this paper, I stress that parallel findings often arise from studies of general FDI and studies of ...
Staff Reports , Paper 183

Speech
Fintech: Revolution or Evolution?

President Patrick T. Harker gave his economic outlook and discussed issues surrounding financial technology at the University of Pennsylvania?s School of Engineering and Applied Science. The event was part of a lecture series on technology, business, and government
Speech , Paper 131

Journal Article
Texas economy rides wave of changing technology and diffusion of know-how

Data on patents and employment show that Texas is a major center of innovation and high-tech employment.
Southwest Economy , Issue Fourth Quarter

Working Paper
Sectoral Development Multipliers

How should industrial policies be directed to reduce distortions and foster economic development? We study this question in a multi-sector model with technology adoption, where the production of goods and modern technologies features rich network structures. We provide simple formulas for the sectoral policy multipliers, and provide insights regarding the power of alternative policy instruments. We devise a simple procedure to estimate the model parameters and the distribution of technologies across sectors, which we apply to Indian data. We find that technology adoption greatly amplifies the ...
Working Paper , Paper 24-02

Journal Article
Texas high tech shakes off post-pandemic slump, readies new growth path

Texas is poised to lead in new advanced technologies, notably artificial intelligence (AI) and semiconductor manufacturing.
Southwest Economy

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