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Fintech Disruption, Banks, and Credit (Dis-)Intermediation: When Do Foes Become Friends?

https://doi.org/10.2139/ssrn.4001998
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35/35 checkable references clean · checked 2026-09-17

Every reference with a DOI in the deposited reference list resolved to a known work in Crossref or DataCite at the dated check, and none carried a retraction, withdrawal, or removal notice.

33 without a DOI — not checked. A reference deposited without a DOI is never matched by title or guessed at; it stays outside the checked set, and this line discloses that.

The 35 checked references that resolve
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Real Effects of Search Frictions in Consumer Credit Markets
resolves10.1016/j.jmoneco.2007.07.003
Bargaining and the value of money
resolves10.1007/s00199-004-0514-4
Log-concave probability and its applications
resolves10.1093/rcfs/cfae028
What Is Fueling FinTech Lending? The Role of Banking Market Structure
resolves10.2307/2938210
Credit-Worthiness Tests and Interbank Competition
resolves10.1016/j.jfineco.2018.03.011
Fintech, regulatory arbitrage, and the rise of shadow banks
resolves10.1016/j.jfineco.2016.09.005
How collateral laws shape lending and sectoral activity
resolves10.1086/732522
Endogenous Liquidity and Capital Reallocation
resolves10.1093/rcfs/cfab026
P2P Lenders versus Banks: Cream Skimming or Bottom Fishing?
resolves10.1093/cmlj/kmaa019
Bank–fintech partnerships, outsourcing arrangements and the case for a mentorship regime
resolves10.1016/j.jfineco.2022.05.004
Can FinTech reduce disparities in access to finance? Evidence from the Paycheck Protection Program
resolves10.1093/rfs/hhz018
The Role of Technology in Mortgage Lending
resolves10.1111/jofi.70003
FinTech Lending and Cashless Payments
resolves10.1093/rfs/hhaa035
The Effects of Competition in Consumer Credit Markets
resolves10.1093/rfs/hhac034
The Rise of Finance Companies and FinTech Lenders in Small Business Lending
resolves10.1016/j.euroecorev.2022.104081
Labor market policy in the presence of a participation externality
resolves10.2307/2118350
A Theory of Debt Based on the Inalienability of Human Capital
resolves10.1111/jofi.13384
FinTech Credit and Entrepreneurial Growth
resolves10.1093/rfs/hhj021
Competition and Strategic Information Acquisition in Credit Markets
resolves10.1016/j.jfineco.2022.12.003
Open banking: Credit market competition when borrowers own the data
resolves10.1162/003355397555316
Financial Intermediation, Loanable Funds, and The Real Sector
resolves10.21799/frbp.wp.2018.13
Do Fintech Lenders Penetrate Areas That Are Underserved by Traditional Banks?
resolves10.2307/1913954
Proportional Solutions to Bargaining Situations: Interpersonal Utility Comparisons
resolves10.1086/262072
Credit Cycles
resolves10.1093/qje/qjaa030
Anatomy of Corporate Borrowing Constraints*
resolves10.1093/rfs/hhac022
When FinTech Competes for Payment Flows
resolves10.1257/aer.20161048
Corporate Finance and Monetary Policy
resolves10.1257/aer.97.5.1639
Establishment Size Dynamics in the Aggregate Economy
resolves10.1007/978-0-387-34675-5
Stochastic Orders
resolves10.1111/jacf.12378
FinTech, BigTech, and the Future of Banks
resolves10.1093/rfs/hhy137
Peer-to-Peer Lenders Versus Banks: Substitutes or Complements?
resolves10.1093/rfs/hhy100
Marketplace Lending: A New Banking Paradigm?
resolves10.1146/annurev-financial-100719-120854
Digital Disruption in Banking
resolves10.1016/j.jfineco.2025.104040
Fintech entry, lending market competition, and welfare
resolves10.1257/0002828042002525
The Macroeconomics of Labor and Credit Market Imperfections
The 33 references without a DOI — listed, not checked
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no DOI — not checkedAgency costs, net worth, and business fluctuations
no DOI — not checkedref11
no DOI — not checkedBoard of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, and Office of the Comptroller of the Currency
no DOI — not checkedFintech: What's Old
no DOI — not checkedref14
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no DOI — not checkedref17
no DOI — not checkedref20
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no DOI — not checkedThe impact of fintech lending on credit access for us small businesses
no DOI — not checkedFintech and big tech credit: Drivers of the growth of digital lending
no DOI — not checkedref28
no DOI — not checkedref31
no DOI — not checkedref33
no DOI — not checkedref34
no DOI — not checkedref44
no DOI — not checkedref45
no DOI — not checkedFintech Partnerships and Small Business Lending
no DOI — not checkedref48
no DOI — not checkedThe Effects of Labor Market Conditions on Firm Dynamics
no DOI — not checkedref52
no DOI — not checkedref54
no DOI — not checkedref55
no DOI — not checkedFrom Competitors to Partners: Banks' Venture Investments in Fintech
no DOI — not checkedref58
no DOI — not checkedref68
What this badge says. CiteStamped means the CHECKABLE references of this work were clean at the dated check: each resolved to a known work in a public registry, and none carried a retraction notice at that time. It says nothing about the quality, findings, or importance of the work itself, and nothing about references deposited without a DOI.

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