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  2. Open Banking: Credit Market Competition When Borrowers Own the Data

    https://www.jbs.cam.ac.uk/wp-content/uploads/2021/06/ccaf-2021-06-conference-paper-ho-huang-zhou.pdf
    9 Jul 2023: Louis, China Fintech Research Conference, NorwegianSchool of Economics, and Chicago Booth Banking Lunch seminar. ... 13These two papers differ from ours in terms of focus as well as framework.

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