Digital Credit and Its Determinants: A Global Perspective

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dc.citation.issue4
dc.citation.volume11
dc.contributor.authorLe TDQ
dc.contributor.authorNgo T
dc.contributor.authorNguyen DT
dc.contributor.editorFtiti Z
dc.date.accessioned2024-06-12T01:36:03Z
dc.date.available2024-06-12T01:36:03Z
dc.date.issued2023-12
dc.description.abstractDigital credit has gained much attention from academic researchers, practitioners, and policymakers worldwide. This study empirically evaluates the determinants of digital credit using cross-country data from 2013 to 2019. The conventional ordinary least square regression with fixed effects estimator is used to investigate the factors affecting the growth of digital credit. Our study highlights that the regulatory frameworks of anti-money laundering and terrorist financing, the economy’s innovative capacity, and financial development are significant factors affecting the development of digital credit, especially fintech credit. However, the findings indicate that only the innovation capacity is more critical to the expansion of bigtech credit. Nonetheless, our results provide some important implications for market participants and the authorities in promoting digital credit. Accordingly, this study contributes to the literature on the growth of digital credit when considering the critical roles of money laundering and terrorist financing frameworks and innovation capacity.
dc.description.confidentialfalse
dc.edition.editionDecember 2023
dc.identifier.citationLe TDQ, Ngo T, Nguyen DT. (2023). Digital Credit and Its Determinants: A Global Perspective. International Journal of Financial Studies. 11. 4.
dc.identifier.doi10.3390/ijfs11040124
dc.identifier.eissn2227-7072
dc.identifier.elements-typejournal-article
dc.identifier.number124
dc.identifier.urihttps://mro.massey.ac.nz/handle/10179/69800
dc.languageEnglish
dc.publisherMDPI (Basel, Switzerland)
dc.publisher.urihttps://www.mdpi.com/2227-7072/11/4/124
dc.relation.isPartOfInternational Journal of Financial Studies
dc.rights(c) 2023 The Author/s
dc.rightsCC BY 4.0
dc.rights.urihttps://creativecommons.org/licenses/by/4.0/
dc.subjectdigital credit
dc.subjectmoney laundering
dc.subjectterrorist financing
dc.subjectinnovation capacity
dc.subjectfinancial development
dc.titleDigital Credit and Its Determinants: A Global Perspective
dc.typeJournal article
pubs.elements-id485711
pubs.organisational-groupOther
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