Mark Johnson

Mark Johnson is an Assistant Professor at Brigham Young University. He graduated in 2021 with a PhD in finance from the The Ohio State University's Fisher College of Business. His research focuses on understanding how new FinTech lending models impact households and small businesses. He currently teaches advanced financial management.

FinTech Lending  with LowTech Pricing

New research indicates that FinTech lending has not been as ‘disruptive’ in risk-based pricing as claimed. While FinTech has provided increased loan access to some individuals, reliance on traditional credit scoring and spillovers from banking regulations leads to mispricing and cross-subsidization of borrowers. The authors suggest alternatives to allocate capital efficiently and improve financial inclusion.

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