Fintech Lending: increasing access to credit as an opportunity to decrease social inequality.

Abstract

After the financial crisis of 2008, access to credit from banks became more difficult, especially for companies or individuals without a record or history of lending, or for small and medium-sized enterprises and innovative companies. This led to the opportunity for alternative lending to fill this gap, and this was made possible by fintech innovations. Through digital platforms, fintech lending thus makes it possible to connect those seeking a loan with those willing to provide it. With this thesis, we therefore seek to understand whether peer-to-peer lending succeeds in broadening the possibility of access to credit, succeeding in overcoming discrimination and social inequality.