The Diffusion of Financial Innovations: An Examination of The Adoption of Small Business Credit Scoring by Large Banking Organizations

By Jalal D. Akhavein, Lawrence J. White. 2005

260 citations recorded by the source corpus.

Subfields: Accounting, Finance, Management Information Systems

View Paper: https://www.semanticscholar.org/paper/16a7e85d357dbbda509ab3c3cb66cbe4dbe0dca4

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Citations in the corpus

Competition and Relationship Lending: Friends or Foes? (2011, unknown): “In this vein, Frame et al. (2001) and Akhavein et al. (2005) reported that large, centralized banking organizations are more likely to use automated credit scoring technologies in small business lending, while Berger et al. (2005) found that small banks are better at using soft information as they…”
A Two-step Method to Construct Credit Scoring Models with Data Mining Techniques (2006, methodology): “This success has also been observed in small business loans [Stanton, 2001; Akhavein et al., 2005].”
Credit Scoring and the Availability, Price, and Risk of Small Business Credit (2002, unknown): “Finally, we note that prior research also found no statistically significant effect of small business lending on either the probability or timing of adopting SBCS (Frame, Srinivasan, and Woosley, 2001, Akhavein, Frame, and White, 2005).”
Why Do Borrowers Pledge Collateral? New Empirical Evidence on the Role of Asymmetric Information (2011, unknown): “The extant research also finds the use of SBCS to be exogenous in that it is unrelated to the bank’s prior portfolio composition, financial condition, and market characteristics (e.g., Frame, Srinivasan, and Woosley 2001, Akhavein, Frame, and White 2005).”
Financial Innovation: The Bright and the Dark Sides (2016, unknown): “Grinblatt and Longstaff, 2000; Schroth, 2003; Henderson and Pearson, 2011), the introduction of credit scoring techniques (Frame and White, 2004, 2009; Akhavein et al., 2005), new forms of mortgage lending (Rosen, 2007) or new organizational forms, such as Internet-only banks (e.g. DeYoung, 2001, 20”
Empirical Studies of Financial Innovation: Lots of Talk, Little Action? (2004, unknown): “More recently, Akhavein, Frame, and White (2001) examine the diffusion of small business credit scoring (SBCS) by large banking organizations in the mid-1990s.”
Alternative Information Sources and Information Asymmetry Reduction: Evidence from Small Business Debt (2015, methodology): “The economics literature on small business lending suggests that the “hard,” quantitative information in credit scores provides a cost effective method for lenders to evaluate loan applications and monitor borrowers (e.g., Frame et al., 2001; Akhavein et al., 2005; Berger et al., 2005; Berger and Fr”
Rules versus discretion in loan rate setting (2010, unknown): “especially for commercial credits ( Akhavein, Frame and White (2005) ).”
Commercial Lending and Distance: Evidence from Community Reinvestment Act Data (2004, background): “Studies by Akhavein, Frame, and White (2005), Berger, Frame, and Miller (forthcoming), Frame, Padhi, and Woosley (2004), and Frame, Srinivasan, and Woosley (2001) collectively provide strong evidence that credit scoring has been adopted primarily by larger banking organizations.”
The Economic Effects of Technological Progress: Evidence from the Banking Industry (2003, background): “These other determinants include market concentration and competition (e.g., Hannan and McDowell 1984, Akhavein, Frame, and White 2001, Courchane, Nickerson, and Sullivan 2002, Gowrisankaran and Stavins 2002, Hauswald and Marquez, forthcoming), the adoption by other banks or network externalities…”
Strategic online-banking adoption (2006, background): “In the banking industry this strategic component is studied in Hannan and McDowell (1984) and Hannan and McDowell (1987) in the adoption of automated teller machines (ATMs), and in Akhavein et al. (2005) for the adoption of credit scoring.2 0378-4266/$ - see front matter 2010 Elsevier B.V.”