(a) | |||||
Variables | I | NDefault | LDefault | HDefault | Default |
FinTech | 0.1230** | 0.2281* | −0.1635 | −0.0408** | −0.0239** |
(0.056) | (0.117) | (0.104) | (0.019) | (0.010) | |
I |
| 1.0416*** | −0.7027** | −0.2507*** | −0.0881*** |
| (0.360) | (0.320) | (0.060) | (0.030) | |
Constant | 21.0034*** | 1.1689 | 76.9993*** | 15.1538*** | 6.6780*** |
(4.695) | (11.847) | (10.513) | (1.965) | (0.987) | |
Bank FE | YES | YES | YES | YES | YES |
Observations | 35 | 35 | 35 | 35 | 35 |
R-squared | 0.143 | 0.406 | 0.292 | 0.544 | 0.455 |
(b) | |||||
Variables | I | NDefault | LDefault | HDefault | Default |
FinTech | 0.0816* | 0.3095** | −0.2234* | −0.0466* | −0.0367*** |
(0.045) | (0.137) | (0.121) | (0.023) | (0.011) | |
I |
| 1.1460** | −0.8161* | −0.2309*** | −0.0847** |
| (0.446) | (0.395) | (0.072) | (0.033) | |
Controls | YES | YES | YES | YES | YES |
Constant | 51.0540*** | −26.1043 | 104.1377*** | 15.5446*** | 4.1694* |
(7.672) | (38.711) | (34.274) | (5.098) | (2.337) | |
Bank FE | YES | YES | YES | YES | YES |
Observations | 35 | 30 | 30 | 30 | 30 |
R-squared | 0.499 | 0.488 | 0.377 | 0.577 | 0.575 |