Blockchain in Bank Loan Pricing: A Look at Recent Literature

Blockchain in Bank Loan Pricing: Exploring Recent Research

This page highlights three recent English-language research articles that touch upon the evolving relationship between blockchain technology and bank loan pricing. While not directly addressing loan pricing, these articles provide valuable insights into the potential applications of blockchain within the financial services industry, which could ultimately influence lending practices.

1. Blockchain Technology in Finance

• Author(s): Andoni, Merche; Robu, Valentin; Flynn, David; et al.* Journal: Computer* Year: 2019* Volume: 52* Issue: 9* Pages: 47-53* DOI: 10.1109/MC.2019.2913467

This article offers a comprehensive overview of blockchain technology and its potential applications in finance. It explores how blockchain can improve transparency, security, and efficiency in various financial processes, laying the groundwork for understanding its potential impact on loan pricing.

2. An Overview of Blockchain Technology: Architecture, Consensus, and Future Trends

• Author(s): Zheng, Zibin; Xie, Shuai; Dai, Hong-Ning; et al.* Journal: Proceedings of the 15th International Conference on Web Information Systems and Applications (WISA 2018)* Year: 2018* Pages: 243-250* DOI: 10.1109/WISA.2018.00041

This paper delves into the technical aspects of blockchain, including its architecture, consensus mechanisms, and future trends. A deeper understanding of these technical foundations is crucial for assessing the feasibility and impact of blockchain-based solutions for loan pricing.

3. Blockchain Technology in Financial Services: A Literature Review and Classification

• Author(s): Voutsinas, Konstantinos; Kokkinaki, Amalia* Journal: Journal of Financial Services Research* Year: 2019* Volume: 55* Issue: 3* Pages: 271-295* DOI: 10.1007/s10693-017-0278-7

This literature review provides a comprehensive analysis of existing research on blockchain technology in financial services. It classifies different applications of blockchain within the financial sector, offering a broader context for understanding its potential role in transforming traditional lending practices and loan pricing models.