Search Results

Showing results 1 to 2 of approximately 2.

(refine search)
SORT BY: PREVIOUS / NEXT
Keywords:Non-banks 

Briefing
Neobanks: Banks by Any Other Name?

Neobanks, or digital banks, are bank-like providers of financial services that operate through apps and aim to appeal to different consumer groups through innovative features and design. Whether or not neobanks evolve into full banks, they have the potential to affect the traditional banking model.
Payments System Research Briefing

Working Paper
Banks, Non Banks, and Lending Standards

We study how competition between banks and non-banks affects lending standards. Banks have private information about some borrowers and are subject to capital requirements to mitigate risk-taking incentives from deposit insurance. Non-banks are uninformed and market forces determine their capital structure. We show that lending standards monotonically increase in bank capital requirements. Intuitively, higher capital requirements raise banks’ skin in the game and screening out bad projects assures positive expected lending returns. Non-banks enter the market when capital requirements are ...
Finance and Economics Discussion Series , Paper 2020-086

FILTER BY Content Type

Briefing 1 items

Working Paper 1 items

FILTER BY Jel Classification

G01 1 items

G21 1 items

G23 1 items

G28 1 items

FILTER BY Keywords

PREVIOUS / NEXT