Abstract
This paper studies the impact of a policy of opening the platform's data to banks. This makes banks in a better position to compete with the platform, and some firms benefit from cheaper loans due to increased competition of financial service. However, our model shows that it might harm the platform ecosystem, and small firms can no longer get loans. We analyze the welfare of firms under different policies, and the optimal policy for the social planner. In the full paper, we will study the policy implications related to the economic circumstance in greater depth, as well as how different policies affect the incentive of the platform to generate data.
| Original language | English |
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| Title of host publication | ICIS 2020 Proceedings |
| Publisher | Association for Information Systems |
| ISBN (Print) | 9781733632553 |
| Publication status | Published - Dec 2020 |
| Externally published | Yes |
| Event | 41st International Conference on Information Systems (ICIS 2020): Making Digital Inclusive: Blending the Local and the Global - Virtual, Hyderabad, India Duration: 13 Dec 2020 → 16 Dec 2020 Conference number: 41 https://archives.aisconferences.org/icis2020/ https://aisel.aisnet.org/icis2020/ |
Publication series
| Name | International Conference on Information Systems, ICIS |
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Conference
| Conference | 41st International Conference on Information Systems (ICIS 2020) |
|---|---|
| Country/Territory | India |
| City | Hyderabad |
| Period | 13/12/20 → 16/12/20 |
| Internet address |
Research Keywords
- Data
- Financial constraint
- Financial inclusion
- Fintech
- Loan
- Monopoly
- Platform ecosystem
- Policy
- Regulation
- Relation banking
- Welfare
