Fintech Lending - Publications - Faculty & Research

Research Summary

Building Small Business Utopia: How Artificial Intelligence and Big Data Can Increase Small Business Success

Small business lending has remained unchanged for decades, laden with frictions and barriers that prevent many small businesses from accessing the capital they need to succeed. Financial technology, or “fintech,” promises to change this trajectory. In 2010, new fintech... View Details

September 2017 (Revised June 2019)
Case

Dianrong: Marketplace Lending, Blockchain, and 'The New Finance' in China

By: Christopher J. Malloy, Lauren H. Cohen and Anthony K. Woo

This case examines the strategic positioning of Dianrong, one of the largest online peer-to-peer (P2P) lending platforms in China, in its attempt to become a foundational player in the expansion of the FinTech sector in Asia. Dianrong had recently announced the... View Details

Keywords: Financing and Loans; Internet and the Web; Supply Chain; Finance; Innovation and Invention; Competition; Product Positioning; Strategy; Financial Services Industry; China

Citation

Educators

Purchase

21 Nov 2022
Research & Ideas

Buy Now, Pay Later: How Retail's Hot Feature Hurts Low-Income Shoppers

with Gen Z shoppers in their teens and 20s. The payment method made up $97 billion—or 2.1 percent—of total US e-commerce sales in 2020, a figure that is expected to double by 2024. BNPL is so lucrative, merchants are paying fintech... View Details

Keywords: by Rachel Layne; Retail; Financial Services; Technology

30 Nov 2016
Op-Ed

Where Could More Regulation Help Small Businesses? Online Lending.

experience. Not to be outdone, incumbents like JPMorgan Chase and Wells Fargo are also moving into online lending, in some cases partnering with emergent fintech players. Taken together, Morgan Stanley estimates online View Details

Keywords: by Karen Mills and Brayden McCarthy; Financial Services

03 Apr 2019
Book

Fintech's Game-Changing Opportunities for Small Business

Artificial intelligence, machine learning, and big data will transform financial services and small-business lending long before they impact driverless cars, predicts Harvard Business School Senior Fellow Karen G. Mills. “As we speak,... View Details

Keywords: by Martha Lagace; Banking; Financial Services

23 Apr 2020
Research & Ideas

This Crisis Loan Program Preserved Jobs—and Made Money

the Boston area. [Image: BalkansCat ] Related Reading How Small Businesses Can Survive the Coronavirus Outbreak Small Businesses Are Worse Off Than We Thought Sophisticated Investors May Be Harming Fintech View Details

Keywords: by Rachel Layne; Financial Services

09 Apr 2019
First Look

New Research and Ideas, April 9, 2019

April 4, 2019 Palgrave Macmillan Fintech, Small Business & the American Dream: How Technology Is Transforming Lending and Shaping a New Era of Small Business Opportunity By: Mills, Karen G. Abstract—Fintech, Small Business & the... View Details

Keywords: Dina Gerdeman

Publications