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1. Balyuk, T., Prabhala, N., Puri, M., 2021. Small Bank Financing and Funding Hesitancy in a Crisis:Evidence from the Paycheck Protection Program. Technical Report.
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2. Bartik, A.W. ; Cullen, Z.B. ; Glaeser, E.L. ; Luca, M. ; Stanton, C.T. ; Sunderam, A. The Targeting and Impact of Paycheck Protection Program Loans to Small Businesses. 2020 National Bureau of Economic Research:
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3. Beauregard, R. ; Lopez, J.A. ; Spiegel, M.M. Small business lending during covid-19. 2020 Small. 2020 35-

4. Erel, I. ; Liebersohn, J. Does Fintech Substitute for Banks? Evidence from the Paycheck Protection Program. 2020 National Bureau of Economic Research:

5. Fairlie, R. ; Fossen, F.M. The early impacts of the COVID-19 pandemic on business sales. 2021 Small Bus. Econ.. 1-12
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6. Fairlie, R.W. The impact of COVID-19 on small business owners: The first three months after social-distancing restrictions. 2020 :

7. Fei, C.Y. ; Yang, K. Fintech and racial barriers in small business lending. 2021 :
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8. Granja, J. ; Makridis, C. ; Yannelis, C. ; Zwick, E. Did The Paycheck Protection Program Hit the Target?. 2020 National Bureau of Economic Research:

9. Howell, S.T. ; Kuchler, T. ; Snitkof, D. ; Stroebel, J. ; Wong, J. Racial Disparities in Access to Small Business Credit: Evidence from the Paycheck Protection Program. 2021 National Bureau of Economic Research:

10. Kim, J.-H. ; Stähler, F. The impact of peer-to-peer lending on small business loans. 2020 :

11. Kong, E. ; Prinz, D. Disentangling policy effects using proxy data: Which shutdown policies affected unemployment during the COVID-19 pandemic?. 2020 J. Public Econ.. 189 -

12. Li, L. ; Strahan, P. Who Supplies PPP Loans (And Does it Matter)? Banks, Relationships and the COVID Crisis. 2020 National Bureau of Economic Research:

13. Weill, J.A. ; Stigler, M. ; Deschenes, O. ; Springborn, M.R. Researchers’ Degrees-of-Flexibility and the Credibility of Difference-in-Differences Estimates: Evidence From the Pandemic Policy Evaluations. 2021 National Bureau of Economic Research:

1. Did FinTech steal the cheese of banks? Evidence from Chinese firm exports. (2025). Zhou, Yahong ; Li, Zhiyuan ; Feng, Ling ; Liu, Yixuan.
   In: China Economic Review.
   RePEc:eee:chieco:v:91:y:2025:i:c:s1043951x25000501.

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2. Bigtech credit, small business, and monetary policy transmission: Theory and evidence. (2024). Yu, Changhua ; QIU, HAN ; Huang, Yiping ; Li, Xiang.
   In: IWH Discussion Papers.
   RePEc:zbw:iwhdps:182022.

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3. Beyond banks: Navigating the shift to peer-to-peer lending for small enterprises. (2024). Weng, Alex ; Malkova, Alina.
   In: Research in Economics.
   RePEc:eee:reecon:v:78:y:2024:i:4:s1090944324000668.

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4. Technological innovation and the bank lending channel of monetary policy transmission. (2023). HASAN, IFTEKHAR ; Li, Xiang.
   In: IWH Discussion Papers.
   RePEc:zbw:iwhdps:142021.

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5. Small business lending under the PPP and PPPLF programs. (2023). Spiegel, Mark ; Lopez, Jose.
   In: Journal of Financial Intermediation.
   RePEc:eee:jfinin:v:53:y:2023:i:c:s1042957322000705.

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6. Regional redistribution through SBA guaranteed loan programs. (2023). Lee, Munseob.
   In: Journal of Corporate Finance.
   RePEc:eee:corfin:v:78:y:2023:i:c:s0929119922001870.

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7. FinTech, General Purpose Technology und Wohlfahrt. (2022). Treu, Johannes.
   In: IU Discussion Papers - Business & Management.
   RePEc:zbw:iubhbm:5juni2022.

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8. The Impacts of COVID-19 on Racial Inequality in Business Earnings. (2022). Fairlie, Robert.
   In: NBER Working Papers.
   RePEc:nbr:nberwo:30532.

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9. Racial Disparities in the Paycheck Protection Program. (2022). Scharfstein, David ; Chernenko, Sergey.
   In: NBER Working Papers.
   RePEc:nbr:nberwo:29748.

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10. The $800 Billion Paycheck Protection Program: Where Did the Money Go and Why Did it Go There?. (2022). Peterman, William ; Crane, Leland ; Cho, David ; Autor, David ; Montes, Joshua K ; Ratner, David D ; Vallenas, Daniel Villar ; Lutz, Byron ; Yildirmaz, Ahu ; Goldar, Mita.
    In: NBER Working Papers.
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11. Discrimination in lending? Evidence from the Paycheck Protection Program. (2022). Seamans, Robert ; Atkins, Rachel ; Cook, Lisa.
    In: Small Business Economics.
    RePEc:kap:sbusec:v:58:y:2022:i:2:d:10.1007_s11187-021-00533-1.

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12. Did the Paycheck Protection Program and Economic Injury Disaster Loan Program get disbursed to minority communities in the early stages of COVID-19?. (2022). Fossen, Frank ; Fairlie, Robert.
    In: Small Business Economics.
    RePEc:kap:sbusec:v:58:y:2022:i:2:d:10.1007_s11187-021-00501-9.

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13. Financial Inclusion of Rural and Urban Households and the Dodd-Frank Act. (2022). Hartarska, Valentina ; Hikkaduwa, Kumuditha D ; Nadolnyak, Denis.
    In: International Journal of Economics and Finance.
    RePEc:ibn:ijefaa:v:14:y:2022:i:11:p:90.

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14. The Impact of Fintech Lending on Credit Access for U.S. Small Businesses. (2022). Jagtiani, Julapa ; Gambacorta, Leonardo ; Frost, Jon ; Cornelli, Giulio.
    In: Working Papers.
    RePEc:fip:fedpwp:94103.

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15. The Paycheck Protection Program Liquidity Facility. (2022). Volker, Desi.
    In: Economic Policy Review.
    RePEc:fip:fednep:94438.

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16. Monetary policy spillovers under COVID-19: Evidence from lending by U.S. foreign bank subsidiaries. (2022). Spiegel, Mark.
    In: Journal of International Money and Finance.
    RePEc:eee:jimfin:v:122:y:2022:i:c:s0261560621002011.

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17. Financial inclusion and bank risk-taking: the effect of information sharing. (2022). Sun, W ; Teclezion, M ; Marcelin, I ; Junarsin, E.
    In: Finance Research Letters.
    RePEc:eee:finlet:v:50:y:2022:i:c:s1544612322003804.

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18. Concierge treatment from banks: Evidence from the paycheck protection program. (2022). michaely, roni ; Martin, Xiumin ; Duchin, Ran ; Wang, Hanmeng.
    In: Journal of Corporate Finance.
    RePEc:eee:corfin:v:72:y:2022:i:c:s0929119921002467.

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19. The real effects of FinTech lending on SMEs: evidence from loan applications. (2022). Ferreira, Miguel A ; Prado, Melissa Porras ; Rizzo, Emanuele A ; Ea, Afonso.
    In: Working Paper Series.
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20. Why Fintech Is Not Changing Japanese Banking. (2022). Iwashita, Naoyuki.
    In: Asian Economic Policy Review.
    RePEc:bla:asiapr:v:17:y:2022:i:2:p:297-310.

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21. Does IT help? Information technology in banking and entrepreneurship. (2022). Timmer, Yannick ; Doerr, Sebastian ; Ahnert, Toni ; Pierri, Nicola.
    In: BIS Working Papers.
    RePEc:bis:biswps:998.

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22. The impact of fintech lending on credit access for U.S. small businesses. (2022). Jagtiani, Julapa ; Gambacorta, Leonardo ; Frost, Jon ; Cornelli, Giulio.
    In: BIS Working Papers.
    RePEc:bis:biswps:1041.

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23. Virtual banking and beyond. (2022). Tiwari, Siddharth ; Chen, Sally ; Packer, Frank ; D'Silva, Derryl.
    In: BIS Papers.
    RePEc:bis:bisbps:120.

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24. Does FinTech Promote Entrepreneurship? Evidence from China. (2022). Knaack, Peter ; Camille, Macaire ; Peter, Knaack ; Zeynep, Alraqeb.
    In: Working papers.
    RePEc:bfr:banfra:895.

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25. Epidemic exposure, financial technology, and the digital divide. (2021). Eichengreen, Barry ; Aksoy, Cevat Giray ; Saka, Orkun.
    In: BOFIT Discussion Papers.
    RePEc:zbw:bofitp:bdp2021_013.

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26. Banking Research in the Time of COVID-19. (2021). Demirguc-Kunt, Asli ; Berger, Allen N.
    In: Policy Research Working Paper Series.
    RePEc:wbk:wbrwps:9782.

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27. Public Firm Borrowers of the U.S. Paycheck Protection Program. (2021). Rosen, Samuel ; Cororaton, Anna.
    In: The Review of Corporate Finance Studies.
    RePEc:oup:rcorpf:v:10:y:2021:i:4:p:641-693..

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28. Epidemic Exposure, Fintech Adoption, and the Digital Divide. (2021). Eichengreen, Barry ; Aksoy, Cevat Giray ; Saka, Orkun.
    In: SocArXiv.
    RePEc:osf:socarx:b6nv3.

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29. FinTech Lending. (2021). Puri, Manju ; Fuster, Andreas ; Berg, Tobias.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:29421.

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30. Lender Automation and Racial Disparities in Credit Access. (2021). Stroebel, Johannes ; Howell, Sabrina T ; Wong, Jun ; Snitkof, David ; Kuchler, Theresa.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:29364.

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31. Models Behaving Badly: The Limits of Data-Driven Lending. (2021). Ben-David, Itzhak ; Stulz, Rene M ; Johnson, Mark J.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:29205.

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32. Epidemic Exposure, Fintech Adoption, and the Digital Divide. (2021). Eichengreen, Barry ; Aksoy, Cevat Giray ; Saka, Orkun.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:29006.

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33. How Resilient Is Mortgage Credit Supply? Evidence from the COVID-19 Pandemic. (2021). Willen, Paul ; Vickery, James ; Fuster, Andreas ; Lambie-Hanson, Lauren ; Hizmo, Aurel.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:28843.

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34. Did the $660 Billion Paycheck Protection Program and $220 Billion Economic Injury Disaster Loan Program Get Disbursed to Minority Communities in the Early Stages of COVID-19?. (2021). Fossen, Frank ; Fairlie, Robert.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:28321.

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35. A Tale of Two Bailouts: Effects of TARP and PPP on Subprime Consumer Debt. (2021). Roman, Raluca ; Epouhe, Onesime ; Berger, Allen N.
    In: Working Papers.
    RePEc:fip:fedpwp:93065.

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36. How Resilient Is Mortgage Credit Supply? Evidence from the COVID-19 Pandemic. (2021). Willen, Paul ; Vickery, James ; Fuster, Andreas ; Lambie-Hanson, Lauren ; Hizmo, Aurel.
    In: Working Papers.
    RePEc:fip:fedpwp:92115.

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37. COVID Response: The Paycheck Protection Program Liquidity Facility. (2021). Volker, Desi.
    In: Staff Reports.
    RePEc:fip:fednsr:93070.

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38. How Resilient Is Mortgage Credit Supply? Evidence from the COVID-19 Pandemic. (2021). Willen, Paul ; Vickery, James ; Fuster, Andreas ; Lambie-Hanson, Lauren ; Hizmo, Aurel.
    In: Finance and Economics Discussion Series.
    RePEc:fip:fedgfe:2021-48.

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39. The Effect of the PPPLF on PPP Lending by Commercial Banks. (2021). Carlson, Mark ; Anbil, Sriya ; Styczynski, Mary-Frances.
    In: Finance and Economics Discussion Series.
    RePEc:fip:fedgfe:2021-30.

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40. Small Business Lending Under the PPP and PPPLF Programs. (2021). Spiegel, Mark ; Lopez, Jose.
    In: Working Paper Series.
    RePEc:fip:fedfwp:91220.

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41. How Resilient Is Mortgage Credit Supply? Evidence from the COVID-19 Pandemic. (2021). Willen, Paul ; Vickery, James ; Fuster, Andreas ; Lambie-Hanson, Lauren ; Hizmo, Aurel.
    In: Working Papers.
    RePEc:fip:fedbwp:91746.

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42. This time is really different: The multiplier effect of the Paycheck Protection Program (PPP) on small business bank loans. (2021). Karakaplan, Mustafa.
    In: Journal of Banking & Finance.
    RePEc:eee:jbfina:v:133:y:2021:i:c:s0378426621001825.

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43. Banking research in the time of COVID-19. (2021). Demirguc-Kunt, Asli ; Demirgu-Kunt, Asli ; Berger, Allen N.
    In: Journal of Financial Stability.
    RePEc:eee:finsta:v:57:y:2021:i:c:s157230892100098x.

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44. Financial technology in developing economies: A note on digital lending in Turkey. (2021). Savaser, Tanseli ; Tini, Murat ; Karaman, Hakki Deniz ; Tumer-Alkan, Gunseli.
    In: Economics Letters.
    RePEc:eee:ecolet:v:207:y:2021:i:c:s0165176521002895.

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45. Epidemic Exposure, Financial Technology, and the Digital Divide. (2021). Eichengreen, Barry ; Aksoy, Cevat Giray ; Saka, O.
    In: Working Papers.
    RePEc:cty:dpaper:21/03.

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46. Public Guarantees for Small Businesses in Italy during Covid-19. (2021). De Marco, Filippo ; Core, Fabrizio.
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:15799.

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47. Racial Disparities in Access to Small Business Credit: Evidence from the Paycheck Protection Program. (2021). Stroebel, Johannes ; Kuchler, Theresa ; Howell, Sabrina T ; Wong, Jun ; Snitkof, David.
    In: CESifo Working Paper Series.
    RePEc:ces:ceswps:_9345.

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48. Epidemic Exposure, Fintech Adoption, and the Digital Divide. (2021). Eichengreen, Barry ; Aksoy, Cevat Giray ; Saka, Orkun.
    In: CESifo Working Paper Series.
    RePEc:ces:ceswps:_9173.

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49. Epidemic exposure, financial technology, and the digital divide. (2021). Eichengreen, Barry ; Aksoy, Cevat Giray ; Saka, Orkun.
    In: BOFIT Discussion Papers.
    RePEc:bof:bofitp:2021_013.

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50. Who Supplies PPP Loans (And Does it Matter)? Banks, Relationships and the COVID Crisis. (2020). Strahan, Philip ; Li, Lei.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:28286.

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51. Indirect Costs of Government Aid and Intermediary Supply Effects: Lessons From the Paycheck Protection Program. (2020). Puri, Manju ; Balyuk, Tetyana ; Prabhala, Nagpurnanand R.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:28114.

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52. Has the Paycheck Protection Program Succeeded?. (2020). Strain, Michael ; Hubbard, Robert.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:28032.

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53. Has the Paycheck Protection Program Succeeded?. (2020). Strain, Michael ; Hubbard, Glenn.
    In: IZA Discussion Papers.
    RePEc:iza:izadps:dp13808.

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54. Has the Paycheck Protection Program succeeded?. (2020). Strain, Michael R ; Hubbard, Glenn R.
    In: AEI Economics Working Papers.
    RePEc:aei:rpaper:1008582843.

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