Platform ecosystems, fintech, and data

Research output: Chapters, Conference Papers, Creative and Literary Works (RGC: 12, 32, 41, 45)32_Refereed conference paper (with ISBN/ISSN)peer-review

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Author(s)

Detail(s)

Original languageEnglish
Title of host publicationICIS 2020 Proceedings
PublisherAssociation for Information Systems
ISBN (Print)9781733632553
Publication statusPublished - Dec 2020
Externally publishedYes

Publication series

NameInternational Conference on Information Systems, ICIS

Conference

Title41st International Conference on Information Systems (ICIS 2020)
LocationVirtual
PlaceIndia
Period13 - 16 December 2020

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.

Research Area(s)

  • Data, Financial constraint, Financial inclusion, Fintech, Loan, Monopoly, Platform ecosystem, Policy, Regulation, Relation banking, Welfare

Citation Format(s)

Platform ecosystems, fintech, and data. / Zhou, Zhou; Shen, Zhouxiang.

ICIS 2020 Proceedings. Association for Information Systems, 2020. 2522 (International Conference on Information Systems, ICIS).

Research output: Chapters, Conference Papers, Creative and Literary Works (RGC: 12, 32, 41, 45)32_Refereed conference paper (with ISBN/ISSN)peer-review