RT Journal Article
T1 Exploring a new business model for lending processes in the banking sector using Blockchain technology: An Italian case study
A1 Iacoviello, Giuseppina
A1 Bruno, Elena
AB Blockchain is a decentralized information technology (IT) architecture that has garneredsignificant attention across various sectors of the global economy. In the banking sector, blockchainwas initially used for cryptocurrency trading and later expanded to encompass smart contracts, peerto-peer transactions, and other banking services. In recent years, blockchain technology (BT) hasbeen applied to streamline less standardized credit processes and to successfully support mortgagecredit through decentralized recording on ledgers. Employing a qualitative research approach, thispaper proposes a novel business model for small banks that utilizes new-generation informationtechnologies to enhance loan profitability. While previous research has linked BT to lendingprocesses, this study is the first to propose a BT application for reshaping traditional bankingpractices, especially for commercial banks. The research findings demonstrate that blockchainimplementation offers advantages in containing information asymmetries, managing credit rationing,and driving business innovation.
PB Universidad de Huelva
YR 2023
FD 2023
LK https://hdl.handle.net/10272/22284
UL https://hdl.handle.net/10272/22284
LA eng
DS Repositorio Institucional de la Universidad de Huelva
RD 29 may 2026