The effects of digitization on credit provision

dc.contributor.advisor	Schmitz, Jan
dc.contributor.author	Schut, Lotte
dc.date.issued	2020-08-21
dc.description.abstract	This study examines the effects of digitization in the lending industry on credit provision. Where previous research is focussed on the rise of online lending firms and platforms, this research focuses on banks. Digitization is expected to have a negative effect on the amount of credit provided by banks because of the increase in competing firms offering credit due to digitization. A panel data set on German, French, United Kingdom and United States commercial banks is used covering a period from 1990 to 2019. To test for the relationship between competition, digitization, and credit provision, a fixed effects regression is performed, controlling for time invariant bank-level factors. Moreover, several robustness checks are performed. No evidence is found for a negative effect of competition on bank credit. Moreover, no evidence is found for the negative effect of digitization on the relation between competition and bank credit.	en_US
dc.identifier.uri	https://theses.ubn.ru.nl/handle/123456789/10155
dc.language.iso	en	en_US
dc.thesis.faculty	Faculteit der Managementwetenschappen	en_US
dc.thesis.specialisation	Corporate Finance & Control	en_US
dc.thesis.studyprogramme	Master Economics	en_US
dc.thesis.type	Master	en_US
dc.title	The effects of digitization on credit provision	en_US

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