DETERMINANTS OF FINTECH AND BIGTECH CREDIT
DETERMINANTS OF FINTECH AND BIGTECH CREDIT
Author(s): Mahammad MammadliSubject(s): Economy, Business Economy / Management, ICT Information and Communications Technologies
Published by: Alma Mater & Universitatea »Babes Bolyai« Cluj - Facultatea de St. Economice si Gestiunea Afacerilor
Keywords: FinTech; BigTech; digital credit; financial regulation; banking structure;
Summary/Abstract: This study investigates the determinants of FinTech and BigTech credit across 62 countries within the period 2013-2019. Using fixed-effects regressions, we analyze how banking structures, business models, and regulatory frameworks influence the growth of digital credit markets. Our findings indicate that FinTech and BigTech credit complement traditional financial intermediation, though their underlying drivers differ. Specifically, BigTech credit expands with greater banking depth and concentration, while FinTech growth is associated with dynamic economies, banks f’ ee-based income, and supportive institutional environments. These results underline the importance of effective regulatory design and sound financial structures in fostering innovation while safeguarding financial stability.
Journal: Review of Economic Studies and Research Virgil Madgearu
- Issue Year: XIX/2026
- Issue No: 1
- Page Range: 51-73
- Page Count: 23
- Language: English
- Content File-PDF
