Mobile Internet, Collateral and Banking

UNIVERSITY OF TECHNOLOGY SYDNEY
Finance Department
Research Seminars in Finance

 

Nicola

Paper Title: Mobile Internet, Collateral and Banking 
 
Speaker:  Nicola Limodio, Bocconi University.
 
Time and Date: 12-1 pm, Wednesday 28 February 2024 (AEDT)
 
Location: CB08.08.002, Level 8, Building 8, University of Technology Sydney, Australia (Map of campus)

Abstract: Combining administrative data on credit, internet penetration and a land reform in Rwanda, this paper offers evidence on the complementarity between technology, law and finance. Leveraging quasi-experimental variation in 3G availability from lightning strikes and incidental coverage, we show that mobile connectivity steers borrowers from microfinance to commercial banks and improves loan terms. These effects are partly due to the role of 3G internet in facilitating the acquisition of land titles from the reform, used as a collateral for bank loans and mortgages. We quantify that the collateral’s 

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Co-ordinator: Kenny Phua 

Enquiries: Chloe Qu

 

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