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Item type:Publication, Super-App Behavioral Patterns in Credit Risk Models: Financial, Statistical and Regulatory Implications(Elsevier, 2020-12-24)In this paper we present the impact of alternative data that originates from an app-based marketplace, in contrast to traditional bureau data, upon credit scoring models. These alternative data sources have shown themselves to be immensely powerful in predicting borrower behavior in segments traditionally underserved by banks and financial institutions. Our results, validated across two countries, show that these new sources of data are particularly useful for predicting financial behavior in low-wealth and young individuals, who are also the most likely to engage with alternative lenders. Furthermore, using the TreeSHAP method for Stochastic Gradient Boosting interpretation, our results also revealed interesting non-linear trends in the variables originating from the app, which would not normally be available to traditional banks. Our results represent an opportunity for technology companies to disrupt traditional banking by correctly identifying alternative data sources and handling this new information properly. At the same time alternative data must be carefully validated to overcome regulatory hurdles across diverse jurisdictions. - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Criptomonedas como catalizadores de la inclusión financiera en América Latina(Universidad Anáhuac México Norte, 2024-11-04)La inclusión financiera es un desafío significativo en América Latina, por lo que resulta relevante proponer nuevos enfoques y modelos de negocio que ayuden a cerrar la brecha de acceso a servicios financieros para los segmentos menos atendidos. En esta línea, evaluamos la intención de uso de una plataforma para comprar criptomonedas como activo de inversión, para personas que invierten en instrumentos alternativos como estos, en donde el elemento innovador constituye que las criptos pueden darse en préstamo a personas vulnerables con tasas convenientes para ambas partes. De esta forma, con base en el modelo de la teoría unificada de aceptación y uso de tecnología o UTAUT de adopción tecnológica, los resultados muestran que la influencia social y la confianza son las variables que explican en mayor medida la intención de su uso. Los hallazgos de este estudio generan nueva evidencia para el desarrollo de modelos de negocio innovadores, así como una contribución pertinente para la política pública en relación con el desarrollo del ecosistema fintech en América Lat ina. - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Alcance, fundamentos y objetivos del Open Banking: Planteamiento de las problemáticas de su implementación y posibles soluciones(Universidad del Pacifico, 2024-01-01)Este trabajo establece las bases conceptuales del Open Banking y analiza su situación en Perú y otros países. Para ello, se examinan argumentos técnicos y aspectos regulatorios necesarios para su implementación, como la seguridad y eficiencia en la transmisión de datos. En Perú, se define el modelo adecuado, tipo de información a compartir, los riesgos asociados y la compensación para las entidades que compartan datos. - Some of the metrics are blocked by yourconsent settings
Item type:Publication, FinTech Adoption and Bank Credit Risk: Evidence of a Nonlinear Relationship from Latin America(Pontificia Universidad Católica del Perú. Departamento de Economía, 2026-08)We examine how FinTech adoption affects credit risk in a panel of commercial banks from Chile, Colombia, Mexico and Peru over 2010–2024, covering more than 90 percent of bank lending in each country. Because structured technology-expenditure data do not exist for these banking systems, we construct cumulative dictionary-based digitalization indices from a raw corpus of 785 annual-report PDFs across six technological dimensions. Panel estimates with Driscoll–Kraay inference document an inverted-U relationship between cumulative digitalization and nonperforming loans: early adoption raises NPLs as lending expands towards borrowers without credit histories, while beyond a threshold efficiency gains in screening dominate and credit risk declines. The pattern is specific to the IT-infrastructure dimension of adoption; it survives various robustness exercises. A Cournot framework with two borrower segments organises the opposing inclusion and efficiency channels that motivate the quadratic specification. The turning point falls with bank size, and slopes differ across countries, so the pooled estimates are averages over heterogeneous national markets. With 82% of observations below the threshold, these banking systems remain largely in the phase where digital adoption is associated with rising credit risk. - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Clustering green finance, fintech, and digital technologies for sustainable operations(Springer Nature, 2026-12-01)The of this study is to provide a more comprehensive and updated analysis of how green finance enabled by financial technology (Fintech) and digital innovation, contributes to sustainability in economic and operational systems. In particular, the study examines how digital technologies support sustainable operations by facilitating inclusion, improving resource allocation, and accelerating structural change towards the Sustainable Development Goals (SDG). Using a mixed-methods approach that combines bibliometric analysis with a systematic literature review. A comprehensive analysis of 67 articles published between 2022 and 2025 was conducted. The findings identify four dominant research clusters in which digital technologies, innovation, regulation and international cooperation play a prominent role as drivers of structural change. Fintech and institutionality (cluster 1), is a driver of sustainable banking performance (cluster 2), there are dynamics of natural resources and a Fintech-mediated energy transition (cluster 3), and Fintech and Start-ups collaboration is a driver of social sustainability (cluster 4). The report also reveals significant findings between developed and developing countries. This study adopts a mixed method combining bibliometric analysis and systematic literature review. The results further reveal notable differences between developed and developing countries. China leads with 1,140 total citations and an average of 43.8 per article, while Australia has the highest average impact of 56.6. Green finance and Fintech have been identified as pivotal in promoting sustainability, particularly in developing countries where environmental and social challenges are most acute. Financial technology not only optimises financial processes, but also drives the democratisation of financial services and green investment, playing a key role in the transition to a resilient and sustainable economy. The combination of digital and sustainable solutions is essential to achieving development goals. However, it is vital that this initiative be implemented in conjunction with responsible management of natural resources, effective public policies, and the presence of skilled human capital.Scopus© Citations 1 1