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Nova · Professor Researcher · re-ranking top 20…
Henrique Carneiro Zhu

Henrique Carneiro Zhu

· MCP Student

Massachusetts Institute of Technology · Urban Studies and Planning

Active 2010–2024

h-index33
Citations6.2k
Papers10818 last 5y
Funding—
Faculty page
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Research topics

  • Monetary economics
  • Commerce
  • Economics
  • Financial system
  • Finance
  • Microeconomics
  • Business

Selected publications

  • When FinTech Competes for Payment Flows

    Review of Financial Studies · 2022 · 141 citations

    Senior authorCorresponding
    • Business
    • Commerce
    • Monetary economics

    Abstract We study the impact of FinTech competition in payment services when a monopolist bank uses payment data to learn about consumers’ credit quality. Competition from FinTech payment providers disrupts this information spillover. The bank’s price for payment services and its loan offers are affected. FinTech competition promotes financial inclusion, may hurt consumers with a strong bank preference, and has an ambiguous effect on the loan market. Both FinTech data sales and consumer data portability increase bank lending, but the effects on consumer welfare are ambiguous. Under mild conditions, consumer welfare is higher under data sales than with data portability.

    PublisherDOI

Frequent coauthors

  • Darrell Duffie

    National Bureau of Economic Research

    51 shared

  • Piotr Dworczak

    Northwestern University

    44 shared

  • Zhaogang Song

    23 shared

  • Songzi Du

    University of California, San Diego

    16 shared

  • Liyan Yang

    University of Toronto

    11 shared

  • Albert J. Menkveld

    Vrije Universiteit Amsterdam

    7 shared

  • Uday Rajan

    University of Michigan–Ann Arbor

    6 shared

  • Anh Le

    RMIT University

    5 shared
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