FinTech and the Future of Banking

  • Andrada BilanEmail author
  • Hans Degryse
  • Kuchulain O’Flynn
  • Steven Ongena
Part of the Palgrave Macmillan Studies in Banking and Financial Institutions book series (SBFI)


A recent technological wave resulting from both technological advances and increasing bank regulation, known as FinTech, has the potential to revamp bank business models. In this chapter, we review the very recent academic literature that has developed to understand and explain the benefits and the pitfalls of FinTech lending. We analyse the interplay between technology and recent bank regulations in driving the rise of FinTech firms, whether these newcomers act as competitors or complements to traditional bank lending, as well as the liability side of the FinTech lenders and the behaviour of their investors.


Banks Lending FinTech Digital Bank regulation Technology 


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Copyright information

© The Author(s) 2019

Authors and Affiliations

  • Andrada Bilan
    • 1
    Email author
  • Hans Degryse
    • 2
  • Kuchulain O’Flynn
    • 1
  • Steven Ongena
    • 1
  1. 1.Department of Banking and FinanceUniversity of ZurichZürichSwitzerland
  2. 2.Faculty of Economics and BusinessKatholieke University of LeuvenLeuvenBelgium

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