{"id":"https://openalex.org/W2617815229","doi":"https://doi.org/10.1057/s41265-017-0035-9","title":"Crossing the Next Frontier: The Role of ICT in Driving the Financialization of Credit","display_name":"Crossing the Next Frontier: The Role of ICT in Driving the Financialization of Credit","publication_year":2017,"publication_date":"2017-05-22","ids":{"openalex":"https://openalex.org/W2617815229","doi":"https://doi.org/10.1057/s41265-017-0035-9","mag":"2617815229"},"language":"en","primary_location":{"id":"doi:10.1057/s41265-017-0035-9","is_oa":false,"landing_page_url":"https://doi.org/10.1057/s41265-017-0035-9","pdf_url":null,"source":{"id":"https://openalex.org/S135086714","display_name":"Journal of Information Technology","issn_l":"0268-3962","issn":["0268-3962","1466-4437"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320017","host_organization_name":"SAGE Publishing","host_organization_lineage":["https://openalex.org/P4310320017"],"host_organization_lineage_names":["SAGE Publishing"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Information Technology","raw_type":"journal-article"},"type":"article","indexed_in":["crossref","datacite"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"http://hdl.handle.net/20.500.11850/182389","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5085552721","display_name":"Daniel Drummer","orcid":"https://orcid.org/0000-0002-4131-9064"},"institutions":[{"id":"https://openalex.org/I161046081","display_name":"University of Freiburg","ror":"https://ror.org/0245cg223","country_code":"DE","type":"education","lineage":["https://openalex.org/I161046081"]},{"id":"https://openalex.org/I136199984","display_name":"Harvard University","ror":"https://ror.org/03vek6s52","country_code":"US","type":"education","lineage":["https://openalex.org/I136199984"]}],"countries":["DE","US"],"is_corresponding":true,"raw_author_name":"Daniel Drummer","raw_affiliation_strings":["Harvard University, Boston, MA, USA;","Information Systems Research, University of Freiburg, Platz der Alten Synagoge, 79098 Freiburg, Germany"],"affiliations":[{"raw_affiliation_string":"Harvard University, Boston, MA, USA;","institution_ids":["https://openalex.org/I136199984"]},{"raw_affiliation_string":"Information Systems Research, University of Freiburg, Platz der Alten Synagoge, 79098 Freiburg, Germany","institution_ids":["https://openalex.org/I161046081"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5081442873","display_name":"Stefan Feuerriegel","orcid":"https://orcid.org/0000-0001-7856-8729"},"institutions":[{"id":"https://openalex.org/I161046081","display_name":"University of Freiburg","ror":"https://ror.org/0245cg223","country_code":"DE","type":"education","lineage":["https://openalex.org/I161046081"]}],"countries":["DE"],"is_corresponding":false,"raw_author_name":"Stefan Feuerriegel","raw_affiliation_strings":["Information Systems Research, University of Freiburg, Platz der Alten Synagoge, 79098 Freiburg, Germany"],"affiliations":[{"raw_affiliation_string":"Information Systems Research, University of Freiburg, Platz der Alten Synagoge, 79098 Freiburg, Germany","institution_ids":["https://openalex.org/I161046081"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5064008689","display_name":"Dirk Neumann","orcid":"https://orcid.org/0000-0003-2178-3705"},"institutions":[{"id":"https://openalex.org/I161046081","display_name":"University of Freiburg","ror":"https://ror.org/0245cg223","country_code":"DE","type":"education","lineage":["https://openalex.org/I161046081"]}],"countries":["DE"],"is_corresponding":false,"raw_author_name":"Dirk Neumann","raw_affiliation_strings":["Information Systems Research, University of Freiburg, Platz der Alten Synagoge, 79098 Freiburg, Germany"],"affiliations":[{"raw_affiliation_string":"Information Systems Research, University of Freiburg, Platz der Alten Synagoge, 79098 Freiburg, Germany","institution_ids":["https://openalex.org/I161046081"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":3,"corresponding_author_ids":["https://openalex.org/A5085552721"],"corresponding_institution_ids":["https://openalex.org/I136199984","https://openalex.org/I161046081"],"apc_list":null,"apc_paid":null,"fwci":4.2297,"has_fulltext":false,"cited_by_count":34,"citation_normalized_percentile":{"value":0.94084641,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":94,"max":99},"biblio":{"volume":"32","issue":"3","first_page":"218","last_page":"233"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11817","display_name":"Housing, Finance, and Neoliberalism","score":0.9987999796867371,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11817","display_name":"Housing, Finance, and Neoliberalism","score":0.9987999796867371,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.994700014591217,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9750999808311462,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/financialization","display_name":"Financialization","score":0.9312859773635864},{"id":"https://openalex.org/keywords/information-and-communications-technology","display_name":"Information and Communications Technology","score":0.69493567943573},{"id":"https://openalex.org/keywords/disintermediation","display_name":"Disintermediation","score":0.49179771542549133},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.4715559482574463},{"id":"https://openalex.org/keywords/analytics","display_name":"Analytics","score":0.44438982009887695},{"id":"https://openalex.org/keywords/economics","display_name":"Economics","score":0.43328866362571716},{"id":"https://openalex.org/keywords/information-technology","display_name":"Information technology","score":0.42183834314346313},{"id":"https://openalex.org/keywords/financial-services","display_name":"Financial services","score":0.41291365027427673},{"id":"https://openalex.org/keywords/industrial-organization","display_name":"Industrial organization","score":0.36636149883270264},{"id":"https://openalex.org/keywords/marketing","display_name":"Marketing","score":0.3622533082962036},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.285557359457016},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.2761993408203125},{"id":"https://openalex.org/keywords/data-science","display_name":"Data science","score":0.22357633709907532},{"id":"https://openalex.org/keywords/world-wide-web","display_name":"World Wide Web","score":0.10459533333778381}],"concepts":[{"id":"https://openalex.org/C2780837152","wikidata":"https://www.wikidata.org/wiki/Q607865","display_name":"Financialization","level":2,"score":0.9312859773635864},{"id":"https://openalex.org/C67363961","wikidata":"https://www.wikidata.org/wiki/Q5268834","display_name":"Information and Communications Technology","level":2,"score":0.69493567943573},{"id":"https://openalex.org/C125706105","wikidata":"https://www.wikidata.org/wiki/Q1137418","display_name":"Disintermediation","level":2,"score":0.49179771542549133},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4715559482574463},{"id":"https://openalex.org/C79158427","wikidata":"https://www.wikidata.org/wiki/Q485396","display_name":"Analytics","level":2,"score":0.44438982009887695},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.43328866362571716},{"id":"https://openalex.org/C121017731","wikidata":"https://www.wikidata.org/wiki/Q11661","display_name":"Information technology","level":2,"score":0.42183834314346313},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.41291365027427673},{"id":"https://openalex.org/C40700","wikidata":"https://www.wikidata.org/wiki/Q1411783","display_name":"Industrial organization","level":1,"score":0.36636149883270264},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.3622533082962036},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.285557359457016},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.2761993408203125},{"id":"https://openalex.org/C2522767166","wikidata":"https://www.wikidata.org/wiki/Q2374463","display_name":"Data science","level":1,"score":0.22357633709907532},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.10459533333778381},{"id":"https://openalex.org/C111919701","wikidata":"https://www.wikidata.org/wiki/Q9135","display_name":"Operating system","level":1,"score":0.0}],"mesh":[],"locations_count":4,"locations":[{"id":"doi:10.1057/s41265-017-0035-9","is_oa":false,"landing_page_url":"https://doi.org/10.1057/s41265-017-0035-9","pdf_url":null,"source":{"id":"https://openalex.org/S135086714","display_name":"Journal of Information Technology","issn_l":"0268-3962","issn":["0268-3962","1466-4437"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320017","host_organization_name":"SAGE Publishing","host_organization_lineage":["https://openalex.org/P4310320017"],"host_organization_lineage_names":["SAGE Publishing"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Information Technology","raw_type":"journal-article"},{"id":"pmh:oai:www.research-collection.ethz.ch:20.500.11850/182389","is_oa":true,"landing_page_url":"http://hdl.handle.net/20.500.11850/182389","pdf_url":null,"source":{"id":"https://openalex.org/S4306402302","display_name":"Repository for Publications and Research Data (ETH Zurich)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I35440088","host_organization_name":"ETH Zurich","host_organization_lineage":["https://openalex.org/I35440088"],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"acceptedVersion","is_accepted":true,"is_published":false,"raw_source_name":"Journal of Information Technology, 32 (3)","raw_type":"info:eu-repo/semantics/acceptedVersion"},{"id":"pmh:oai:aisel.aisnet.org:jit-2051","is_oa":false,"landing_page_url":"https://aisel.aisnet.org/jit/vol32/iss3/2","pdf_url":null,"source":{"id":"https://openalex.org/S30879505","display_name":"Journal of the Association for Information Systems","issn_l":"1536-9323","issn":["1536-9323"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310321080","host_organization_name":"Association for Information Systems","host_organization_lineage":["https://openalex.org/P4310321080"],"host_organization_lineage_names":["Association for Information Systems"],"type":"journal"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Journal of Information Technology","raw_type":"text"},{"id":"doi:10.3929/ethz-b-000182389","is_oa":true,"landing_page_url":"https://doi.org/10.3929/ethz-b-000182389","pdf_url":null,"source":{"id":"https://openalex.org/S7407051236","display_name":"ETH Z\u00fcrich Research Collection","issn_l":null,"issn":[],"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":null,"is_accepted":false,"is_published":null,"raw_source_name":null,"raw_type":"article-journal"}],"best_oa_location":{"id":"pmh:oai:www.research-collection.ethz.ch:20.500.11850/182389","is_oa":true,"landing_page_url":"http://hdl.handle.net/20.500.11850/182389","pdf_url":null,"source":{"id":"https://openalex.org/S4306402302","display_name":"Repository for Publications and Research Data (ETH Zurich)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I35440088","host_organization_name":"ETH Zurich","host_organization_lineage":["https://openalex.org/I35440088"],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"acceptedVersion","is_accepted":true,"is_published":false,"raw_source_name":"Journal of Information Technology, 32 (3)","raw_type":"info:eu-repo/semantics/acceptedVersion"},"sustainable_development_goals":[{"score":0.550000011920929,"display_name":"Industry, innovation and infrastructure","id":"https://metadata.un.org/sdg/9"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":60,"referenced_works":["https://openalex.org/W141397480","https://openalex.org/W312377188","https://openalex.org/W346953209","https://openalex.org/W596447740","https://openalex.org/W1556446873","https://openalex.org/W1575366321","https://openalex.org/W1584666509","https://openalex.org/W1587907563","https://openalex.org/W1712777634","https://openalex.org/W1971113481","https://openalex.org/W1972946008","https://openalex.org/W1973315392","https://openalex.org/W1979767694","https://openalex.org/W1986981362","https://openalex.org/W1990956481","https://openalex.org/W2001965588","https://openalex.org/W2010200331","https://openalex.org/W2013144086","https://openalex.org/W2014715977","https://openalex.org/W2038800592","https://openalex.org/W2048308733","https://openalex.org/W2053622715","https://openalex.org/W2073945762","https://openalex.org/W2093294839","https://openalex.org/W2104253553","https://openalex.org/W2114296561","https://openalex.org/W2115167433","https://openalex.org/W2116921403","https://openalex.org/W2118936359","https://openalex.org/W2119746191","https://openalex.org/W2132159329","https://openalex.org/W2139254678","https://openalex.org/W2146404009","https://openalex.org/W2149625909","https://openalex.org/W2153757444","https://openalex.org/W2164196847","https://openalex.org/W2164887794","https://openalex.org/W2168704321","https://openalex.org/W2171328034","https://openalex.org/W2177346587","https://openalex.org/W2207472197","https://openalex.org/W2329847623","https://openalex.org/W2518115580","https://openalex.org/W2735576121","https://openalex.org/W2970524270","https://openalex.org/W3014951692","https://openalex.org/W3021581513","https://openalex.org/W3121627116","https://openalex.org/W3122895255","https://openalex.org/W3122902448","https://openalex.org/W3123095408","https://openalex.org/W3124145806","https://openalex.org/W3124488620","https://openalex.org/W3124511965","https://openalex.org/W3124529279","https://openalex.org/W3125348131","https://openalex.org/W4229766115","https://openalex.org/W4231278954","https://openalex.org/W4238273863","https://openalex.org/W4253302361"],"related_works":["https://openalex.org/W2154612700","https://openalex.org/W2805351822","https://openalex.org/W1968345940","https://openalex.org/W3123016237","https://openalex.org/W72199570","https://openalex.org/W2088025798","https://openalex.org/W4256688966","https://openalex.org/W2952899924","https://openalex.org/W2756149219","https://openalex.org/W2007197016"],"abstract_inverted_index":{"Financialization":[0],"describes":[1],"a":[2,32,44,77,135],"phenomenon":[3],"whereby":[4],"financial":[5],"markets":[6],"assume":[7],"an":[8],"increasingly":[9],"dominant":[10],"role":[11,21],"within":[12],"the":[13,20,48,60,111,142,151],"economy.":[14],"This":[15,54],"paper":[16,152],"seeks":[17],"to":[18,58],"dissect":[19],"of":[22,63,79,113,128,138,144],"information":[23,39,87],"and":[24,38,52,86,101,125,161],"communications":[25],"technology":[26],"(ICT)":[27],"in":[28,83,141],"financialization":[29,160],"by":[30],"following":[31],"cross-disciplinary":[33],"approach":[34],"across":[35],"finance,":[36],"economics":[37],"systems.":[40],"Accordingly,":[41],"we":[42,133],"develop":[43],"general":[45],"framework":[46,55],"describing":[47],"relationship":[49],"between":[50],"ICT":[51,69],"financialization.":[53],"allows":[56],"us":[57],"investigate":[59],"recent":[61,107],"rise":[62],"online":[64],"marketplaces":[65],"for":[66,157],"credit.":[67],"Consequently,":[68],"is":[70],"not":[71],"only":[72,105],"facilitating,":[73],"but":[74],"fundamentally":[75],"driving":[76],"disintermediation":[78],"banks":[80],"through":[81],"advances":[82],"computing,":[84,119],"communication":[85],"technology.":[88],"We":[89],"also":[90,153],"provide":[91],"supporting":[92],"evidence":[93],"from":[94],"interviews":[95],"with":[96],"almost":[97],"40":[98],"senior":[99],"experts":[100],"C-level":[102],"executives.":[103],"Interestingly,":[104],"rather":[106],"innovations":[108],"have":[109],"enabled":[110],"popularity":[112],"marketplace":[114,158],"lending,":[115,159],"such":[116],"as":[117],"cloud":[118],"big":[120],"data,":[121],"scalable":[122],"IT":[123],"infrastructures":[124],"comprehensive":[126],"ecosystems":[127],"programming":[129],"interfaces.":[130],"In":[131],"contrast,":[132],"observe":[134],"slow":[136],"integration":[137],"advanced":[139],"analytics":[140],"field":[143],"risk":[145],"management.":[146],"Based":[147],"on":[148],"our":[149],"analysis,":[150],"discusses":[154],"cross-country":[155],"implications":[156],"regulation.":[162]},"counts_by_year":[{"year":2025,"cited_by_count":2},{"year":2024,"cited_by_count":3},{"year":2023,"cited_by_count":7},{"year":2022,"cited_by_count":2},{"year":2021,"cited_by_count":8},{"year":2020,"cited_by_count":3},{"year":2019,"cited_by_count":4},{"year":2018,"cited_by_count":3},{"year":2017,"cited_by_count":2}],"updated_date":"2026-03-04T09:10:02.777135","created_date":"2025-10-10T00:00:00"}