Search Results

Risk and Market Segmentation in Financial Intermediaries’ Returns,
Linda Allen and Julapa Jagtiani, from Wharton School Center for Financial Institutions, University of Pennsylvania (1996)

How Much Did Banks Pay to Become Too-Big-To-Fail and to Become Systemically Important?,
Elijah Brewer and Julapa Jagtiani, in Journal of Financial Services Research (2013)
Keywords: Bank merger, Too-big-to-fail, TBTF subsidy, Systemically important bank, G21, G28, G34,

Risk and Market Segmentation in Financial Intermediaries' Returns,
Linda Allen and Julapa Jagtiani, in Journal of Financial Services Research (1997)

The Mortgage and Financial Crises: The Role of Credit Risk Management and Corporate Governance,
William Lang and Julapa Jagtiani, in Atlantic Economic Journal (2010)
Keywords: Financial crisis, Risk management, Corporate governance, Subprime crisis, G01, G18, G21, G28,

The Mortgage and Financial Crises: The Role of Credit Risk Management and Corporate Governance,
William Lang and Julapa Jagtiani, in Atlantic Economic Journal (2010)
Keywords: Financial crisis, Risk management, Corporate governance, Subprime crisis, G01, G18, G21, G28,

Do fintech lenders penetrate areas that are underserved by traditional banks?,
Julapa Jagtiani and Catharine Lemieux, in Journal of Economics and Business (2018)
Keywords: Fintech; LendingClub; Marketplace lending; Banking competition; Shadow banking; Peer-to-peer lending;

Strategic default on first and second lien mortgages during the financial crisis,
Julapa Jagtiani and William Lang, from Federal Reserve Bank of Philadelphia (2010)
Keywords: Mortgage loans; Default (Finance); Home equity loans

Beneath the Crypto Currents: The Hidden Effect of Crypto “Whales”,
Alan Chernoff and Julapa Jagtiani, from Federal Reserve Bank of Philadelphia (2024)
Keywords: Cryptocurrency; Ethereum; ETH; crypto whales; blockchain; pump-and-dump

The Role of Bank-Fintech Partnerships in Creating a More Inclusive Banking System,
Alan Chernoff and Julapa Jagtiani, from Federal Reserve Bank of Philadelphia (2023)
Keywords: Fintech; alternative data; fintech partnership; financial inclusion; credit invisible

The Roles of Alternative Data and Machine Learning in Fintech Lending: Evidence from the LendingClub Consumer Platform,
Julapa Jagtiani and Catharine Lemieux, from Federal Reserve Bank of Philadelphia (2018)
Keywords: Fintech; lending club; Marketplace Lending; Alternative Data; Shadow Banking; P2P Lending; Peer-to-peer Lending

Credit access after consumer bankruptcy filing: new evidence,
Julapa Jagtiani and Wenli Li, from Federal Reserve Bank of Philadelphia (2014)
Keywords: Bankruptcy; credit limits; Credit performance; Financial crisis; Bankruptcy reform

Fintech Lending: Financial Inclusion, Risk Pricing, and Alternative Information,
Julapa Jagtiani and Catharine Lemieux, from Federal Reserve Bank of Philadelphia (2017)
Keywords: fintech; Lending Club; marketplace lending; banking competition; shadow banking; credit spreads; credit performance; P2P lending; peer-to-peer lending

Credit access and credit performance after consumer bankruptcy filing: new evidence,
Julapa Jagtiani and Wenli Li, from Federal Reserve Bank of Philadelphia (2013)
Keywords: Bankruptcy; Credit; Financial crises

How much did banks pay to become too-big-to-fail and to become systemically important?,
Elijah Brewer and Julapa Jagtiani, from Federal Reserve Bank of Philadelphia (2009)
Keywords: Bank failures; Bank size; Bank mergers; Systemic risk

Do Fintech Lenders Penetrate Areas That Are Underserved by Traditional Banks?,
Julapa Jagtiani and Catharine Lemieux, from Federal Reserve Bank of Philadelphia (2018)
Keywords: fintech; lending club; marketplace lending; banking competition; shadow banking; peer-to-peer lending

Which Lenders Are More Likely to Reach Out to Underserved Consumers: Banks versus Fintechs versus Other Nonbanks?,
Erik Dolson and Julapa Jagtiani, from Federal Reserve Bank of Philadelphia (2021)
Keywords: fintech; P2P lending; consumer credit access; personal lending; credit cards; mortgage lending; online lending; credit offers

Can banks circumvent minimum capital requirements? The case of mortgage portfolios under Basel II,
Chris Henderson and Julapa Jagtiani, from Federal Reserve Bank of Philadelphia (2010)
Keywords: Capital; Banks and banking; Basel capital accord

Small business lending: challenges and opportunities for community banks,
Julapa Jagtiani and Catharine Lemieux, from Federal Reserve Bank of Philadelphia (2016)
Keywords: Small business lending; Online lending; Lending technology; Shadow banking; Community banks; Large and small banks

A Survey of Fintech Research and Policy Discussion,
Franklin Allen and Julapa Jagtiani, from Federal Reserve Bank of Philadelphia (2020)
Keywords: fintech; marketplace lending; P2P; alternative data; DLT; blockchain; robo advisor; regtech; insuretech; cryptocurrencies; ICOs; CBDC; cloud computing; AML; KYC; NLP; fintech regulations

How much did banks pay to become too-big-to-fail and to become systematically important?,
Elijah Brewer and Julapa Jagtiani, from Federal Reserve Bank of Philadelphia (2011)
Keywords: Bank mergers

How much would banks be willing to pay to become \"too-big-to-fail\" and to capture other benefits?,
Elijah Brewer and Julapa Jagtiani, from Federal Reserve Bank of Kansas City (2007)
Keywords: Bank mergers

The Mortgage Financial Crises: The Role of Credit Risk Management and Corporate Governance,
William Lang and Julapa Jagtiani, from University of Pennsylvania, Wharton School, Weiss Center (2010)

Credit Access after Consumer Bankruptcy Filing: New Evidence,
Julapa Jagtiani and Wenli Li, from University of Pennsylvania, Wharton School, Weiss Center (2014)

Small Business Lending: Challenges and Opportunities for Community Banks,
Julapa Jagtiani and Catharine Lemieux, from University of Pennsylvania, Wharton School, Weiss Center (2016)

Small Business Lending After the Financial Crisis: A New Competitive Landscape for Community Banks,
Julapa Jagtiani and Catharine Lemieux, in Economic Perspectives (2016)
Keywords: Community banks; financial crisis; small business; nonbank lenders

Do markets react to regulatory information?,
Julapa Jagtiani and James Moser, in Chicago Fed Letter (2001)
Keywords: Stocks; Stock market; Bonds

A Survey of Fintech Research and Policy Discussion,
Franklin Allen, Xian Gu and Julapa Jagtiani, in Review of Corporate Finance (2021)
Keywords: Fintech, marketplace lending, P2P, alternative data, DLT, blockchain, robo-advisor, regtech, insuretech, cryptocurrencies, ICOs, CBDC, cloud computing, AML, KYC, NLP, fintech regulations

An analysis of advisor choice, fees, and effort in mergers and acquisitions,
William C. Hunter and Julapa Jagtiani, in Review of Financial Economics (2003)

The impacts of financial regulations: solvency and liquidity in the post-crisis period,
Colleen Baker, Christine Cummings and Julapa Jagtiani, in Journal of Financial Regulation and Compliance (2017)
Keywords: Basel III, Banking reform, CET1, HQLA, Liquidity regulation, Regulatory capital, G12, G18, G21, G28

The Interplay between Financial Regulations, Resilience, and Growth,
Franklin Allen, Julapa Jagtiani and Itay Goldstein, from C.E.P.R. Discussion Papers (2018)
Keywords: Bank capital regulations; Bank liquidity; Cet1; High-quality liquid assets (hqlas); Basel iii; Financial stability; Dodd-frank act

Scale economies and cost complementarities in commercial banks: On-and off-balance-sheet activities,
Julapa Jagtiani, Alli Nathan and Gordon Sick, in Journal of Banking & Finance (1995)

The effect of bank capital requirements on bank off-balance sheet financial innovations,
Julapa Jagtiani, Anthony Saunders and Gregory Udell, in Journal of Banking & Finance (1995)

Enhancing market discipline in banking: The role of subordinated debt in financial regulatory reform,
Douglas Evanoff, Julapa Jagtiani and Taisuke Nakata, in Journal of Economics and Business (2011)
Keywords: Regulatory reform Market discipline Subordinated debt Bank capital Financial regulation

Interest rate risk subsidization in international capital standards,
Linda Allen, Julapa Jagtiani and Yoram Landskroner, in Journal of Economics and Business (1996)

Enhancing market discipline in banking: The role of subordinated debt in financial regulatory reform,
Douglas Evanoff, Julapa Jagtiani and Taisuke Nakata, in Journal of Economics and Business (2011)
Keywords: Regulatory reform; Market discipline; Subordinated debt; Bank capital; Financial regulation;

Fintech, Cryptocurrencies, and CBDC: Financial Structural Transformation in China,
Franklin Allen, Xian Gu and Julapa Jagtiani, in Journal of International Money and Finance (2022)
Keywords: Fintech; Cryptocurrency Regulations; Stablecoins; CBDCs; e-CNY; China;

Merger advisory fees and advisor's effort,
William C. Hunter and Julapa Jagtiani, in Emerging Issues (2000)
Keywords: Bank mergers

Do market react to bank examination ratings? evidence of indirect disclosure of management quality through BHCs' application to convert to FHC,
Linda Allen, Julapa Jagtiani and James Moser, in Emerging Issues (2000)
Keywords: bank examinations; Bank supervision

The role of financial advisors in merger and acquisitions,
Linda Allen, Julapa Jagtiani and Anthony Saunders, in Emerging Issues (2000)
Keywords: Consolidation and merger of corporations; Investment banking; Bank investments; Bank management

The Effect of Credit Risk on Bank and Bank Holding Company Bond Yields: Evidence from the Post‐FDICIA Period,
Julapa Jagtiani, George Kaufman and Catharine Lemieux, in Journal of Financial Research (2002)

Fintech, Cryptocurrencies, and CBDC: Financial Structural Transformation in China,
Franklin Allen, Xian Gu and Julapa Jagtiani, from C.E.P.R. Discussion Papers (2022)
Keywords: China; Fintech; Stablecoins; Cryptocurrency regulations; Cbdcs; E-cny

Further Evidence on the Information Content of Bank Examination Ratings: A Study of BHC-to-FHC Conversion Applications,
Linda Allen, Julapa Jagtiani and James Moser, in Journal of Financial Services Research (2001)
Keywords: Bank examination ratings, financial holding company (FHC), bank holding company (BHC) conversion, Gramm Leach Bliley (GLB) Act of 1999, M ratings.,

The Interplay among Financial Regulations, Resilience, and Growth,
Franklin Allen, Itay Goldstein and Julapa Jagtiani, in Journal of Financial Services Research (2018)
Keywords: Financial reform, Capital regulations, Liquidity regulations, Too-big-to-fail, Living wills, Dodd–Frank Wall Street Reform and Consumer Protection Act, Financial stability, Interconnectedness

An analysis of advisor choice, fees, and effort in mergers and acquisitions,
William C. Hunter and Julapa Jagtiani, in Review of Financial Economics (2003)

Did Fintech Loans Default More During the COVID-19 Pandemic? Were Fintech Firms “Cream-Skimming” the Best Borrowers?,
Brandon Goldstein, Julapa Jagtiani and Catharine Lemieux, from Federal Reserve Bank of Philadelphia (2023)
Keywords: Fintech; peer-to-peer (P2P); alternative data; financial inclusion; credit access; COVID-19; fintech loan default; cream skimming; fintech loan rate

How Important Are Local Community Banks to Small Business Lending? Evidence from Mergers and Acquisitions [REVISED],
Julapa Jagtiani and Ramain Quinn Maingi, from Federal Reserve Bank of Philadelphia (2018)
Keywords: community banks; small business lending; bank mergers

Fintech, Cryptocurrencies, and CBDC: Financial Structural Transformation in China”,
Franklin Allen, Xian Gu and Julapa Jagtiani, from Federal Reserve Bank of Philadelphia (2022)
Keywords: fintech; cryptocurrency regulations; stablecoins; CBDCs; e-CNY; China

The Interplay Among Financial Regulations, Resilience, and Growth,
Franklin Allen, Itay Goldstein and Julapa Jagtiani, from Federal Reserve Bank of Philadelphia (2018)
Keywords: financial reforms; capital regulations; liquidity regulations; too big to fail; living wills; Dodd–Frank Wall Street Reform and Consumer Protection Act; financial stability; interconnectedness

Is Bigger Necessarily Better in Community Banking?,
Joseph Hughes, Julapa Jagtiani and Loretta Mester, from Federal Reserve Bank of Philadelphia (2016)
Keywords: Community Banking; Scale; Financial Performance; Small Business Lending

Is Bigger Necessarily Better in Community Banking?,
Joseph Hughes, Julapa Jagtiani and Loretta Mester, from Rutgers University, Department of Economics (2016)
Keywords: community banking, scale, financial performance, small business lending

Is Bigger Necessarily Better in Community Banking?,
Joseph Hughes, Julapa Jagtiani and Loretta Mester, from Federal Reserve Bank of Cleveland (2016)
Keywords: community banking; scale; financial performance; small business lending;

The potential role of subordinated debt programs in enhancing market discipline in banking,
Douglas Evanoff, Julapa Jagtiani and Taisuke Nakata, from Federal Reserve Bank of Kansas City (2007)
Keywords: Bank capital

Is Bigger Necessarily Better in Community Banking?,
Joseph Hughes, Julapa Jagtiani and Loretta Mester, from University of Pennsylvania, Wharton School, Weiss Center (2016)

Redefault Risk in the Aftermath of the Mortgage Crisis: Why Did Modifications Improve More than Self-Cures?,
Paul Calem, Julapa Jagtiani and Raman Quinn Maingi, in Journal of Real Estate Research (2021)

Community bank mergers and their impact on small business lending,
Julapa Jagtiani, Ian Kotliar and Raman Quinn Maingi, in Journal of Financial Stability (2016)
Keywords: Community banks; Small business lending; Bank mergers;

Important factors determining Fintech loan default: Evidence from a lendingclub consumer platform,
Christophe Croux, Julapa Jagtiani, Tarunsai Korivi and Milos Vulanovic, in Journal of Economic Behavior & Organization (2020)
Keywords: Big data; Crowdfunding; Financial innovation; Household finance; Lasso selection methods; Machine learning; Peer to peer lending; P2P/marketplace lending;

Predicting inadequate capitalization: early warning system for bank supervision,
Julapa Jagtiani, James Kolari, Catharine Lemieux and Hwan Shin, in Emerging Issues (2000)
Keywords: Bank supervision; Bank capital

Impact of independent directors and the regulatory environment on merger prices and motivation: evidence from large bank mergers in the 1990s,
Elijah Brewer, William E. Jackson and Julapa Jagtiani, in Emerging Issues (2000)
Keywords: Bank mergers; Prices; bank examinations; Bank supervision

Do markets discipline banks and bank holding companies? evidence from debt pricing,
Julapa Jagtiani, George G. Kaufman and Catharine Lemieux, in Emerging Issues (1999)
Keywords: Bank holding companies; Debt; Deposit insurance

Does scale matter in community bank performance? Evidence obtained by applying several new measures of performance,
Joseph Hughes, Julapa Jagtiani, Loretta Mester and Choon-Geol Moon, in Journal of Banking & Finance (2019)
Keywords: Community banking; Scale; Financial performance; Small business lending;

The impact of fintech lending on credit access for U.S. small businesses,
Giulio Cornelli, Jon Frost, Leonardo Gambacorta and Julapa Jagtiani, from Bank for International Settlements (2022)
Keywords: fintech credit, peer-to-peer (P2P) lending, marketplace lending, small business lending (SBL), Funding Circle, LendingClub, alternative data, credit access, credit scoring.

Enhancing Prudential Standards in Financial Regulations,
Franklin Allen, Itay Goldstein, Julapa Jagtiani and William Lang, in Journal of Financial Services Research (2016)
Keywords: Financial stability, Financial regulations, Systemic risk, Too big to fail, Stress testing, Resolution plan, Mortgage finance

Foreclosure Delay and Consumer Credit Performance,
Paul S. Calem, Julapa Jagtiani and William Lang, in Journal of Financial Services Research (2017)
Keywords: Mortgage default, Foreclosure, Foreclosure delay, Credit card default

The impact of fintech lending on credit access for U.S. small businesses,
Giulio Cornelli, Jon Frost, Leonardo Gambacorta and Julapa Jagtiani, in Journal of Financial Stability (2024)
Keywords: fintech credit; peer-to-peer (P2P) lending; marketplace lending; small business lending (SBL); Funding Circle; LendingClub; alternative data; credit access; credit scoring;

The Impact of Fintech Lending on Credit Access for U.S. Small Businesses,
Giulio Cornelli, Jon Frost, Leonardo Gambacorta and Julapa Jagtiani, from C.E.P.R. Discussion Papers (2022)
Keywords: Small business finance

The Credit Card Act and Consumer Debt Structure,
Yiwei Dou1, Julapa Jagtiani, Joshua Ronen and Ramain Quinn Maingi, in Journal of Law, Finance, and Accounting (2022)
Keywords: CARD Act, credit cards, credit limits, consumer debt, subprime borrowers

The role of bank advisors in mergers and acquisitions,
Linda Allen, Julapa Jagtiani, Stavros Peristiani and Anthony Saunders, from Federal Reserve Bank of New York (2002)
Keywords: Bank mergers; Banks and banking

CONSUMER LENDING EFFICIENCY:COMMERCIAL BANKS VERSUS A FINTECH LENDER,
Joseph Hughes, Julapa Jagtiani and Choon-Geol Moon, from Federal Reserve Bank of Philadelphia (2019)
Keywords: marketplace lending; P2P lending; credit risk management; lending efficiency

First-Time Homebuyers: Toward a New Measure,
Arthur Acolin, Paul S. Calem, Julapa Jagtiani and Susan Wachter, from Federal Reserve Bank of Philadelphia (2017)
Keywords: first-time home buyers; homeownership; credit access; housing market trends

Foreclosure delay and consumer credit performance,
Paul S. Calem, Julapa Jagtiani and William Lang, from Federal Reserve Bank of Philadelphia (2014)
Keywords: Mortgage Default; Foreclosure; Foreclosure Delay; Credit Card Default;

Enhancing prudential standards in financial regulations,
Franklin Allen, Itay Goldstein, Julapa Jagtiani and William Lang, from Federal Reserve Bank of Philadelphia (2014)
Keywords: Financial stability; financial regulations; Systemic risk; Too Big To Fail; Stress testing; resolution plans; Mortgage finance

Important Factors Determining Fintech Loan Default: Evidence from the LendingClub Consumer Platform,
Christophe Croux, Julapa Jagtiani, Tarunsai Korivi and Milos Vulanovic, from Federal Reserve Bank of Philadelphia (2020)
Keywords: big data; crowdfunding; financial innovations; household finances; lasso selection methods; machine learning; peer-to-peer lending; P2P/marketplace lending

Fintech Lending and Mortgage Credit Access,
Julapa Jagtiani, Lauren Lambie-Hanson and Timothy Lambie-Hanson, from Federal Reserve Bank of Philadelphia (2019)
Keywords: fintech; mortgage lending; homeownership; online mortgages; credit access

THE IMPACTS OF FINANCIAL REGULATIONS: SOLVENCY AND LIQUIDITY IN THE POST-CRISIS PERIOD,
Colleen Baker, Christine M. Cumming and Julapa Jagtiani, from Federal Reserve Bank of Philadelphia (2017)
Keywords: bank capital regulations; bank liquidity; CET1; high-quality liquid assets (HQLA) ; Basel III; Dodd–Frank Act; financial stability

Corporate governance structure and mergers,
Elijah Brewer, William E. Jackson and Julapa Jagtiani, from Federal Reserve Bank of Philadelphia (2010)
Keywords: Corporate governance; Bank mergers

Does Scale Matter in Community Bank Performance? Evidence Obtained by Applying Several New Measures of Performance,
Joseph Hughes, Julapa Jagtiani, Loretta Mester and Choon-Geol Moon, from Federal Reserve Bank of Philadelphia (2018)
Keywords: community banking; scale; financial performance; small business lending

Foreclosure delay and consumer credit performance,
Paul S. Calem, Julapa Jagtiani and William Lang, from Federal Reserve Bank of Philadelphia (2015)
Keywords: Mortgage default; Foreclosure; Foreclosure delay; Credit card Default

The Impact of Fintech Lending on Credit Access for U.S. Small Businesses,
Giulio Cornelli, Jon Frost, Leonardo Gambacorta and Julapa Jagtiani, from Federal Reserve Bank of Philadelphia (2022)
Keywords: peer-to-peer (P2P) lending; marketplace lending; small business lending (SBL); Funding Circle; lending club; alternative data; credit access; credit scoring; fintech credit

The Credit Card Act and Consumer Debt Structure,
Yiwei Dou, Julapa Jagtiani, Ramain Quinn Maingi and Joshua Ronen, from Federal Reserve Bank of Philadelphia (2020)
Keywords: CARD Act; credit cards; credit limits; consumer debts

The evolution of u.s. Community banks and its impact on small business lending,
Julapa Jagtiani, Ian Kotliar and Ramain Quinn Maingi, from Federal Reserve Bank of Philadelphia (2014)
Keywords: community banks; Small business lending; Bank mergers;

Redefault Risk in the Aftermath of the Mortgage Crisis: Why Did Modifications Improve More Than Self-Cures?,
Paul S. Calem, Julapa Jagtiani and Ramain Quinn Maingi, from Federal Reserve Bank of Philadelphia (2018)
Keywords: mortgage modification; mortgage defaults; mortgage servicing

Does Scale Matter in Community Bank Performance? Evidence Obtained by Applying Several New Measures of Performance,
Joseph Hughes, Julapa Jagtiani, Loretta Mester and Choon-Geol Moon, from Rutgers University, Department of Economics (2019)
Keywords: community banking, scale, financial performance, small business lending

CONSUMER LENDING EFFICIENCY: COMMERCIAL BANKS VERSUS A FINTECH LENDER,
Joseph Hughes, Julapa Jagtiani and Choon-Geol Moon, from Rutgers University, Department of Economics (2018)
Keywords: commercial banking, online lending, credit risk, lending efficiency

DOES SCALE MATTER IN COMMUNITY BANK PERFORMANCE? EVIDENCE OBTAINED BY APPLYING SEVERAL NEW MEASURES OF PERFORMANCE,
Joseph Hughes, Julapa Jagtiani, Loretta Mester and Choon-Geol Moon, from Rutgers University, Department of Economics (2018)
Keywords: community banking, scale, financial performance, small business lending

Consumer lending efficiency: commercial banks versus a fintech lender,
Joseph Hughes, Julapa Jagtiani and Choon-Geol Moon, in Financial Innovation (2022)
Keywords: Fintech, Marketplace lending, P2P lending, Credit risk management, Lending efficiency, LendingClub

Impact of independent directors and the regulatory environment on bank merger prices: evidence from takeover activity in the 1990s,
Elijah Brewer, William E. Jackson and Julapa Jagtiani, from Federal Reserve Bank of Chicago (2000)
Keywords: Bank mergers; Prices

Target's corporate governance and bank merger payoffs,
Elijah Brewer, William E. Jackson and Julapa Jagtiani, from Federal Reserve Bank of Kansas City (2007)
Keywords: Bank mergers; Corporate governance; Bank holding companies

The Evolution of U.S. Community Banks and Its Impact on Small Business Lending,
Julapa Jagtiani, Ian Kotliar and Raman Quinn Maingi, from University of Pennsylvania, Wharton School, Weiss Center (2014)

The price of bank mergers in the 1990s,
Elijah Brewer, William E. Jackson, Julapa Jagtiani and Thong Nguyen, in Economic Perspectives (2000)
Keywords: Bank mergers

Early warning models for bank supervision: Simpler could be better,
Julapa Jagtiani, James Kolari, Catharine Lemieux and Hwan Shin, in Economic Perspectives (2003)
Keywords: Bank supervision