Safe Bank

Akerlof G. (1970), The market for ‘lemons’: quality uncertainty and the market mechanism, „The Quarterly Journal of Economics”, 84(3), 488‒500.
Google Scholar

Beaumont P.H. (2020), Digital Finance, Big Data, Start-ups, and the Future of Financial Services, Routledge, London.
Google Scholar

Bikker J.A., Leuvensteijn, M., (2014), A new measure of competition in the financial industry. Routledge, London.
Google Scholar

BIS (2019), Big tech in finance: opportunities and risks, Annual Economic Report, Chapter III, Bank for International Settlements, https://www.bis.org/publ/arpdf/ar2019e3.pdf.
Google Scholar

BIS (2020), Central banks and payments in the digital era, „BIS Annual Economic Report”, Chapter III, Bank for International Settlements, https://www.bis.org/publ/arpdf/ar2020e3.pdf.
Google Scholar

Besanko D., Thakor A.V. (1992), Banking deregulation: allocation consequence of relaxing entry barriers, „Journal of Banking & Finance”, 16, 909‒932.
Google Scholar

Blakstad, S., & Allen R., (2018); FinTech Revolution, Jeremy Williams.
Google Scholar

Boobier T. (2020), AI and the Future of Banking, Wiley.
Google Scholar

Boot A.W.A., Hoffmann P., Laeven L., Ratnovski, L. (2021), FinTech: what’s old, what’s new? „Journal of Financial Stability”, Volume 53, April 2021, 100836, https://doi.org/10.1016/j.jfs.2020.100836.
Google Scholar

Boyd, J., Nicoló, G.D. (2005). The theory of bank risk taking and competition revisited. J. Financ, 60 (3), 1329–1343.
Google Scholar

Blakstad S., Allen R. (2018), FinTech Revolution Universal Inclusion in the New Financial Ecosystem, Palgrave Macmillan.
Google Scholar

Buchak G., Matvos G., Piskorski T., Seru A. (2018), FinTech, regulatory arbitrage, and the rise of shadow banks, „Journal of Financial Economics”, 130(3), 453–483.
Google Scholar

Carletti E., Claessens S., Fatás A., Vives X., (2020), The bank business model in the post-Covid-19 world, Centre for Economic Policy Research, 18 June, https://voxeu.org/article/bank-business-model-post-covid-19-world.
Google Scholar

Cecchetti S., Mohanty M., Zampolli F. (2011), The real effects of debt, BIS Working Papers No. 352.
Google Scholar

Claessens P., Laeven L. (2004), What drives bank competition? Some international evidence, Journal of Money, Credit, and Banking, 36 (3) (June 2004, Part 2), The Ohio State University Press, pp. 564-583.
Google Scholar

Claessens, S., Frost, J., Turner, G., & Zhu F. (2018). FinTech credit markets around the world: size, drivers and policy issues. BIS Quarterly Review, September, 29–49.
Google Scholar

Cornelli, G., Doerr, S., Franco, L., and Frost, J. (2021). Funding for FinTech s: patterns and drivers. BIS Quarterly Review, 31–43, September.
Google Scholar

Degryse H., Kim M., Ongena S. (2009), Microeconometrics of Banking: Methods, Applications and Results, Oxford University Press.
Google Scholar

Degryse, H., Ongena, S., (2008), Competition and regulation in the banking sector: A review of the empirical evidence on the sources of bank rents. In Thakor, A. V., Boot, A. (Eds.), Handbook of Financial Intermediation and Banking Elsevier Science, 483–554.
Google Scholar

Demsetz H. (1973), Industry structure, market rivalry, and public policy, Journal of Law and Economics 16 (1), pp. 1-9.
Google Scholar

Dewatripont M., Tirole J. (1994), The Prudential Regulation of Banks, MIT Press, Cambridge.
Google Scholar

Diamond D. (1991), Monitoring and reputation: the choice between bank loans and directly placed debt, „Journal of Political Economy”, 99, 689–721.
Google Scholar

Feyen E., J. Frost, L. Gambacorta, H. Natarajan; Saal M. (2021), FinTech and the digital transformation of financial services: implications for market structure and public policy, BIS IS Papers; No 117.
Google Scholar

FSB (2017), Financial stability implications from FinTech: supervisory and regulatory issues that merit authorities’ attention, Financial Stability Board, https://www.fsb.org/wp-content/uploads/R270617.pdf.
Google Scholar

FSB (2019), FinTech and market structure in financial services: market developments and potential financial stability implications, Financial Stability Board, https://www.fsb.org/wp-content/uploads/P140219.pdf.
Google Scholar

Frost J. (2020), The economic forces driving FinTech adoption across countries, BIS Working Papers, 838, February.
Google Scholar

Frost, J, L Gambacorta, Y Huang, H S Shin, P Zbinden (2019), “BigTech and the changing structure of financial intermediation”, Economic Policy, vol 34, no 100, 761–99.
Google Scholar

Haldane A.G. (2012), On being the right size, Bank of England, 25 October.
Google Scholar

De Haas R., van Lelyveld I. (2012), Foreign banks and credit stability in Central and Eastern Europe. A panel data analysis, Journal of Banking and Finance, 2006, vol. 30 (7), 1927–1952.
Google Scholar

He D., Leckow R., Haksar V., Mancini-Griffoli T., Jenkinson N., Kashima M., Khiaonarong T., Rochon C., Tourpe H. (2017), FinTech and financial services: initial considerations, IMF Staff Discussion Note, SDN/17/05.
Google Scholar

Hicks J.R. (1935), The Theory of Monopoly, Econometrica, 3 (1), pp. 1-20.
Google Scholar

Laeven L., Ratnovski L., Tong H. (2016), Bank size, capital, and systemic risk: Some international evidence, Journal of Banking & Finance No. 69, 25-34.
Google Scholar

Lamfalussy A. (2011), Keynote Speech, The Future of Central Banking under Post Crisis Mandates, Ninth BIS Annual Conference, BIS Papers, Bank for International Settlements, No. 55.
Google Scholar

Liikanen E. (2012), Final Report of the High-level Expert Group on Reforming the Structure of the EU Banking Sector, Brussels.
Google Scholar

Martin S. (1989), Industrial Economics, Economic Analysis and Public Policy, Macmillan Publishing Company, New York, Collier Macmillan Publishers, London.
Google Scholar

Morse A. (2015), Peer-to-Peer Crowdfunding: Information and the Potential for Disruption in Consumer Lending, „Annual Review of Financial Economics”, 7(1), 463-482.
Google Scholar

Nicoletti, B. (2017), The future of FinTech: Integrating finance and technology in financial services. Palgrave Studies in Financial Services Technology, Palgrave Macmillan, Cham, Switzerland.
Google Scholar

Pagano M. (1993), Financial markets and growth: An overview, „European Economic Review”, 37(2‒3), 613‒622.
Google Scholar

Pawłowska M. (2016), Does the Size and Market Structure of the Banking Sector have an Effect on the Financial Stability of the European Union? The Journal of Economic Asymmetries (4), 112-127.
Google Scholar

Pawłowska M. (2014), Konkurencja w sektorze bankowym. Teoria i wyniki empiryczne, Wydawnictwo C.H. Beck, Warszawa.
Google Scholar

Pawłowska M. (2021), Kredyt w zmieniającej się strukturze rynkowej sektora bankowego - nowe techniki, nowe wyzwania, Wydawnictwo C.H. Beck, Warszawa.
Google Scholar

Petralia K., Philippon T., Rice T., Véron N. (2019), Banking Disrupted?, Financial Intermediation in an Era of Transformational Technology, International Center for Monetary and Banking Studies (ICMB), CEPR.
Google Scholar

Philippon T. (2019), The Great Reversal: How America Gave Up on Free Markets, Belknap Press.
Google Scholar

Scardovi, C. (2017), Digital transformation in financial services. Springer: London.
Google Scholar

Smirlock M. (1985), Relationship between concentration and profitability in banking, Journal of Money, Credit and Banking, 17(1), 69−83.
Google Scholar

Stiglitz J.E., Weiss I. (1981), Credit rationing in markets with imperfect information, „American Economic Review”, 71(3), 393–410.
Google Scholar

Vickers J. (2012), Some economics of banking reform, University of Oxford, Department of Economics, Discussion Paper Series, 632.
Google Scholar

Van Hoose D. (2010), The Industrial Organization of Banking, Bank Behavior, Market Structure, and Regulation, Springer-Verlag, Berlin‒Heidelberg.
Google Scholar

Vives X. (2016), Competition and Stability in Banking: the Role of Regulation and Competition Policy, Princeton University Press.
Google Scholar

Vives X. (2017), The impact of FinTech on banking, w: Navaretti G., Calzolari G., Pozzolo A.F. (red.), FinTech and Banking. Friends or Foes? https://blog.iese.edu/xvives/files/2018/02/EE_2.2017.pdf.
Google Scholar

Tanda, A., Schena, C.-M. (2019), FinTech, BigTech and Banks Digitalization and Its Impact on Banking Business Models, Palgrave Macmillan Studies in Banking and Financial Institutions 2019, s. 47.
Google Scholar

Thakor, A.V. (2020), FinTech and Banking, Journal of Financial Intermediation, January, vol. 41(C), DOI:10.2139/ssm.3332550.
Google Scholar