dc.contributor.advisor | de Sousa, Jose A. Albuquerque | |
dc.contributor.author | Hangerhagen, Emilie Håbrekke | |
dc.contributor.author | Kongshaug, Anna Margrete | |
dc.date.accessioned | 2024-06-05T10:59:22Z | |
dc.date.available | 2024-06-05T10:59:22Z | |
dc.date.issued | 2023 | |
dc.identifier.uri | https://hdl.handle.net/11250/3132666 | |
dc.description.abstract | Is the constantly increasing technology always a blessing, or does it worsen existing
challenges? This thesis analyzes how digital transformation in the financial sector affects
Small and Medium Enterprises (SMEs) debt. Using the Payment Service Directive No. 2
(PSD2) as a shock into digital transformation, we employ a difference-in-differences (DiD)
methodology to analyze the changes in SMEs' debt ratios triggered by digital transformation.
First, our study investigates how SMEs are affected by digital transformation in the financial
sector. Second, we test whether SMEs experience varying impacts depending on their
characteristics. With this approach, we aim to understand the reasons behind the effect of
digital transformation on SMEs' debt in the financial sector. | en_US |
dc.language.iso | eng | en_US |
dc.subject | financial economics | en_US |
dc.title | Is Digital Transformation Tightening SMEs' Access to Debt? | en_US |
dc.type | Master thesis | en_US |
dc.description.localcode | nhhmas | en_US |