(a) | |||||
Variables | E | NDefault | LDefault | HDefault | Default |
FinTech | −0.0835*** | 0.3669** | −0.2833** | −0.0632** | −0.0204* |
(0.027) | (0.142) | (0.119) | (0.026) | (0.011) | |
E |
| 0.1271 | −0.3994 | 0.1006 | 0.1717*** |
| (0.835) | (0.701) | (0.154) | (0.062) | |
Constant | 35.0802*** | 18.5872 | 76.2517*** | 6.3583 | −1.1971 |
(2.307) | (31.084) | (26.073) | (5.732) | (2.304) | |
Bank FE | YES | YES | YES | YES | YES |
Observations | 35 | 35 | 35 | 35 | 35 |
R-squared | 0.241 | 0.229 | 0.180 | 0.269 | 0.441 |
(b) | |||||
Variables | E | NDefault | LDefault | HDefault | Default |
FinTech | −0.1573*** | 0.3593* | −0.2791* | −0.0534 | −0.0279** |
(0.035) | (0.175) | (0.149) | (0.031) | (0.012) | |
E |
| −0.2200 | −0.0737 | 0.1494 | 0.1621** |
| (0.964) | (0.818) | (0.164) | (0.063) | |
Controls | YES | YES | YES | YES | YES |
Constant | 35.5189*** | −9.0969 | 97.0706** | 13.2955 | −0.0957 |
(10.984) | (48.803) | (41.386) | (7.969) | (3.074) | |
Bank FE | YES | YES | YES | YES | YES |
Observations | 30 | 30 | 30 | 30 | 30 |
R-squared | 0.619 | 0.329 | 0.251 | 0.402 | 0.575 |