This chapter, focusing on digital lending, examines this impact on bank stability and loan portfolio quality. Digital lending poses a challenge to the stability of traditional banks but does improve the quality of loan portfolios by reducing non-performing loans. The chapter emphasizes the necessity for collaborative models and balanced regulations that can enable the provision of the benefits and risks of digital lending to harmonize.
The dual impact of digital lending on European banks. How do Fintech platforms affect bank stability and loan portfolio quality?
Ferilli, Greta Benedetta
2025-01-01
Abstract
This chapter, focusing on digital lending, examines this impact on bank stability and loan portfolio quality. Digital lending poses a challenge to the stability of traditional banks but does improve the quality of loan portfolios by reducing non-performing loans. The chapter emphasizes the necessity for collaborative models and balanced regulations that can enable the provision of the benefits and risks of digital lending to harmonize.File in questo prodotto:
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