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FinTech Credit Using CBDC: Transformation of Lending Market

FinTech Credit Using CBDC: Transformation of Lending Market
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Author(s): Jewel Kumar Roy (Széchenyi István University, Hungary & Jatiya Kabi Kazi Nazrul Islam University, Bangladesh)and Md. Foysal Hasan (Bangladesh Institute of Bank Management, Bangladesh)
Copyright: 2024
Pages: 11
Source title: Exploring Central Bank Digital Currencies: Concepts, Frameworks, Models, and Challenges
Source Author(s)/Editor(s): Guneet Kaur (University of Stirling, UK), Pooja Lekhi (University Canada West, Canada)and Simriti Popli (Kaplan International College, UK)
DOI: 10.4018/979-8-3693-1882-9.ch010


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The advancement of financial technology and the development of central bank digital currency (CBDC) are revolutionizing the lending market. FinTech credit and CBDC have disrupted traditional lending practices, providing new channels of financing for borrowers and increasing access to credit. This chapter explores the transformation in the lending market due to the advent of FinTech credit and CBDC. It analyses the impact of these developments on the lending market, borrowers, and financial institutions. The chapter also evaluates the challenges and opportunities presented by these innovations and the implications for regulators. Financial technology (FinTech) credit has rapidly emerged as a disruptive force in the lending market, and the use of central bank digital currency (CBDC) has the potential to further transform the lending market. This chapter aims to examine the potential impact of FinTech credit using CBDC on the lending market, analyse the benefits and challenges of this model, and provide recommendations for policymakers and market participants to foster its adoption.

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