Adegboye, A. C., & Iweriebor, S. (2018). Does access to finance enhance SME innovation and productivity in Nigeria? Evidence from the World Bank enterprise survey. African Development Review, 30(4), 449–461. https://doi.org/10.1111/1467-8268.12351.
- Ademi, R. (2016). Financial determinants of credit to private sector. The Macrotheme Review, 5(1), 28–44.
Paper not yet in RePEc: Add citation now
Ahn, S. J., & Lee, S. H. (2019). The effect of consumers’ perceived value on acceptance of an internet‐only bank service. Sustainability, 11(17), 4599. https://doi.org/10.3390/su11174599.
- Allen, F., & Santomero, A. (1998). The theory of financial intermediation. Journal of Banking & Finance, 21(1998), 1461–1485.
Paper not yet in RePEc: Add citation now
- Alshubiri, F., Jamil, S. A., & Elheddad, M. (2019). The impact of ICT on financial development: Empirical evidence from the Gulf Cooperation Council countries. International Journal of Engineering Business Management, 11(2019), 184797901987067. https://doi.org/10.1177/1847979019870670.
Paper not yet in RePEc: Add citation now
- Arner, D., Barberis, J., & Buckley, R. (2015). The evolution of Fintech: A new post‐crisis paradigm? (Research Paper No. 2015/047, pp. 1–44). Faculty of Law, University of Hong Kong.
Paper not yet in RePEc: Add citation now
- Asongu, S., le Roux, S., Nwachukwu, J., & Pyke, C. (2019). Reducing information asymmetry with ICT: A critical review of loan price and quantity effects in Africa. International Journal of Managerial Finance, 15(2), 130–163. https://doi.org/10.1108/IJMF-01-2018-0027.
Paper not yet in RePEc: Add citation now
Beck, N., & Katz, J. N. (1995). What to do (and not to do) with time‐series cross‐section data. American Political Science Review, 89(3), 634–647. https://doi.org/10.2307/2082979.
- Beck, T. (2013). Bank financing for SMEs—Lessons from the literature. National Institute Economic Review, 225(August 2013), R23–R38. https://doi.org/10.1177/002795011322500105.
Paper not yet in RePEc: Add citation now
Berger, A. N., & Udell, G. F. (2006). A more complete conceptual framework for SME finance. Journal of Banking & Finance, 30(11), 2945–2966.
- Born, B., & Breitung, J. (2016). Testing for serial correlation in fixed‐effects panel data models. Econometric Reviews, 35, 1290–1316. https://doi.org/10.1080/07474938.2014.976524.
Paper not yet in RePEc: Add citation now
- Cao‐Alvira, J. J., & Palacios‐Chacón, L. A. (2021). Financial deepening and business creation: A regional analysis of Colombia. Emerging Markets Finance & Trade, 57(3), 875–890.
Paper not yet in RePEc: Add citation now
Chen, K. C. (2020). Implications of fintech developments for traditional banks. International Journal of Economics and Financial Issues, 10(5), 227–235. https://doi.org/10.32479/ijefi.10076.
Cheng, C.‐Y., Chien, M.‐S., & Lee, C.‐C. (2021). ICT diffusion, financial development and economic growth: An international cross‐country analysis. Economic Modelling, 94(2021), 662–671. https://doi.org/10.1016/j.econmod.2020.02.008.
- Chien, M. S., Cheng, C. Y., & Kurniawati, M. A. (2020). The non‐linear relationship between ICT diffusion and financial development. Telecommunications Policy, 44(2020), 102023. https://doi.org/10.1016/j.telpol.2020.102023.
Paper not yet in RePEc: Add citation now
- Čihák, M., Demirgüç‐Kunt, A., Feyen, E., & Levine, R. (2012). Benchmarking financial development around the world (Working Paper No. 6175, pp. 1–56). World Bank Policy Research.
Paper not yet in RePEc: Add citation now
Cull, R., Gine, X., Harten, S., Heitmann, S., & Rusu, A. B. (2018). Agent banking in a highly under‐developed financial sector: Evidence from Democratic Republic of Congo. World Development, 107, 54–74. https://doi.org/10.1016/j.worlddev.2018.02.001.
- Da Silva, L. A. (2018). Fintech in EMEs: Blessing or curse? Bank for International Settlements. https://www.bis.org/speeches/sp180620.htm.
Paper not yet in RePEc: Add citation now
Del Gaudio, B. L., Porzio, C., Sampagnaro, G., & Verdoliva, V. (2021). How do mobile, internet and ICT diffusion affect the banking industry? An empirical analysis. European Management Journal, 39(3), 327–332. https://doi.org/10.1016/j.emj.2020.07.003.
Djankov, S., McLiesh, C., & Shleifer, A. (2007). Private credit in 129 countries. Journal of Financial Economics, 84(2), 299–329. https://doi.org/10.1016/j.jfineco.2006.03.004.
Dutta, N., & Meierrieks, D. (2021). Financial development and entrepreneurship. International Review of Economics & Finance, 73(2021), 114–126.
Edo, S., Okodua, H., & Odebiyi, J. (2019). Internet adoption and financial development in Sub‐Saharan Africa: Evidence from Nigeria and Kenya. African Development Review, 31(1), 144–160. https://doi.org/10.1111/1467-8268.12370.
Ehigiamusoe, K. U., Guptan, V., & Narayanan, S. (2021). Rethinking the impact of GDP on financial development: Evidence from heterogeneous panels. African Development Review, 33, 1–13. https://doi.org/10.1111/1467-8268.12469.
Frost, J. (2020). The economic forces driving fintech adoption across countries (Working Paper No. 838, pp. 1–13). Bank for International Settlements.
Gani, A., & Rasul, T. (2020). The institutional quality effect on credits provided by the banks. International Advances in Economic Research, 26, 249–258. https://doi.org/10.1007/s11294-020-09794-0.
- Hallberg, K. (2001). A market‐oriented strategy for small and medium‐scale enterprises. (Discussion Paper No. 40, pp. 1–30). International Finance Corporation.
Paper not yet in RePEc: Add citation now
- Jenkins, H., Alshareef, E., & Mohamad, A. (2021). The impact of corruption on commercial banks’ credit risk: Evidence from a panel quantile regression. International Journal of Finance & Economics, 2021, 1–12.
Paper not yet in RePEc: Add citation now
Koloma, Y. (2021). Financial inclusion and entrepreneurship willingness of youth: Evidence from Mali. African Development Review, 33, 263–275. https://doi.org/10.1111/1467-8268.12539.
Liu, J., Li, X., & Wang, S. (2020). What have we learnt from 10 years of fintech research? A scientometric analysis. Technological Forecasting and Social Change, 155(2020), 120022. https://doi.org/10.1016/j.techfore.2020.120022.
- Moreira, D. F. (2016). The microeconomic impact on growth of SMEs when the access to finance widens: Evidence from internet & high‐tech industry. Procedia—Social and Behavioral Sciences, 220(2016), 278–287. https://doi.org/10.1016/j.sbspro.2016.05.500.
Paper not yet in RePEc: Add citation now
Munemo, J. (2018). Entrepreneurial success in Africa: How relevant are foreign direct investment and financial development? African Development Review, 30(4), 372–385. https://doi.org/10.1111/1467-8268.12345.
- Navaretti, G., Calzolari, G., Mansilla‐Fernandez, J., & Pozzolo, A. (2018). Fintech and banking. Friends or foes. European Economy—Banks, Regulation, and the Real Sector, 2, 9–30.
Paper not yet in RePEc: Add citation now
Ndirangu, L., & Nyamongo, E. M. (2015). Financial innovations and their implications for monetary policy in Kenya. Journal of African Economies, 24(Suppl 1), i46–i71. https://doi.org/10.1093/jae/eju029.
- Ntow‐Gyamfi, M., Bokpin, G. A., Aboagye, A. Q., & Ackah, C. G. (2019). Financial development, institutional quality and inclusive growth in Africa. Global Business Review, 23(3), 1–24. https://doi.org/10.1177/0972150919875367.
Paper not yet in RePEc: Add citation now
Owusu‐Agyei, S., Okafor, G., Chijoke‐Mgbame, A. M., Ohalehi, P., & Hasan, F. (2020). Internet adoption and financial development in sub‐Saharan Africa. Technological Forecasting & Social Change, 161(2020), 1–13.
- Sanga, B., & Aziakpono, M. (2022). The effect of institutional factors on financial deepening: evidence from 50 African countries. Journal of Business and Socio‐Economic Development. Advance online publication. 1–16. https://doi.org/10.1108/JBSED-12-2021-0175.
Paper not yet in RePEc: Add citation now
Sassi, S., & Goaied, M. (2013). Financial development, ICT diffusion and economic growth: Lessons from MENA region. Telecommunications Policy, 37(4–5), 252–261. https://doi.org/10.1016/j.telpol.2012.12.004.
Shamim, F. (2007). The ICT environment, financial sector and economic growth: A cross‐country analysis. Journal of Economic Studies, 34(4), 352–370. https://doi.org/10.1108/01443580710817452.
Sheng, T. (2021). The effect of fintech on banks’ credit provision to SMEs: Evidence from China. Finance Research Letters, 39(2021), 101558. https://doi.org/10.1016/j.frl.2020.101558.
Stiglitz, J., & Weiss, A. (1981). Credit rationing in markets with imperfect information. The American Economic Review, 71(3), 393–410.
- Temelkov, Z., & Samonikov, M. (2018). The need for fintech companies as non‐bank financing alternatives for SMEs in developing economies. International Journal of Information, Business and Management, 10(3), 25–33.
Paper not yet in RePEc: Add citation now
Thakor, A. V. (2020). Fintech and banking: What do we know?Journal of Financial Intermediation, 41(2020), 1–13.
- Venkatesh, V., Morris, M., Davis, D., & Davis, D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 27(3), 425–478. https://doi.org/10.2307/30036540.
Paper not yet in RePEc: Add citation now
- Wang, R., Lin, Z., & Luo, H. (2019). Blockchain, bankcredit and SME financing. Quality & Quantity, 53(2019), 1127–1140.
Paper not yet in RePEc: Add citation now
- Wang, Y., Xiuping, S., & Zhang, Q. (2021). Can fintech improve the efficiency of commercial banks? An analysis based on big data. Research in International Business and Finance, 55(2021), 101338. https://doi.org/10.1016/j.ribaf.2020.101338.
Paper not yet in RePEc: Add citation now
Werner, R. A. (2016). A lost century in economics: Three theories of banking and the conclusive evidence. International Review of Financial Analysis, 46(2016), 361–379. https://doi.org/10.1016/j.irfa.2015.08.014.
- World Bank. (2020). Promoting digital and innovative SME financing. https://www.gpfi.org/sites/gpfi/files/saudi_digitalSME.pdf.
Paper not yet in RePEc: Add citation now
- Wursten, J., & Leuven, K. (2018). Testing for serial correlation in fixed‐effects panel models. The Stata Journal: Promoting Communications on Statistics and Stata, 18(1), 76–100. https://doi.org/10.1177/1536867X1801800106.
Paper not yet in RePEc: Add citation now
- Xiang, D., Zhang, Y., & Worthington, A. C. (2020). Determinants of the use of fintech finance among Chinese small and medium‐sized enterprises. IEEE Transactions on Engineering Management, 2020, 1–15.
Paper not yet in RePEc: Add citation now