Graph and download economic data for Large Bank Consumer Credit Card Originations: New Originations (RCCCOORG) from Q3 2012 to Q3 2024 about FR Y-14M, origination, consumer credit, credit cards, large, new, loans, consumer, banks, depository institutions, and USA.

Graph and download economic data for Large Bank Consumer Credit Card Originations: Original Credit Score: 10th Percentile (RCCCOSCOREPCT10) from Q3 2012 to Q3 2024 about score, FR Y-14M, origination, consumer credit, credit cards, large, percentile, credits, loans, consumer, banks, depository institutions, and USA.

Drechsler et al. (2017) present a novel reformulation of the bank lending channel of monetary transmission based on market power in local deposits markets, which they term the deposits channel. In this paper, we first perform a successful narrow replication of their key empirical results. We then revisit their results on lending in two ways. First, recent studies have pointed out the unique dynamics of credit card loans in Community Reinvestment Act loan origination data. When accounting for this heterogeneity, we find key results are sensitive to the inclusion of credit card banks that raise funds outside of local deposit markets. Second, we show that inconsistencies with related empirical studies can be explained by differences in market power measure, sample period, and the inclusion of alternative control variables. The results highlight that market power on opposing sides of bank balance sheets can impact monetary transmission through alternative channels. Overall, this paper suggests the mechanisms underlying the response of lending to monetary policy remains an important open question.

BASE YEAR	2024
HISTORICAL DATA	2019 - 2024
REPORT COVERAGE	Revenue Forecast, Competitive Landscape, Growth Factors, and Trends
MARKET SIZE 2023	1445.87(USD Billion)
MARKET SIZE 2024	1514.84(USD Billion)
MARKET SIZE 2032	2200.0(USD Billion)
SEGMENTS COVERED	Product Type, Customer Segment, Distribution Channel, Service Type, Regional
COUNTRIES COVERED	North America, Europe, APAC, South America, MEA
KEY MARKET DYNAMICS	Technological advancements, Regulatory changes, Economic fluctuations, Consumer behavior shifts, Competitive landscape
MARKET FORECAST UNITS	USD Billion
KEY COMPANIES PROFILED	American Express, Discover Financial Services, Berkshire Hathaway, Navient, PayPal, HSBC Holdings, Wells Fargo, Synchrony Financial, Credit Suisse, Barclays, Capital One, Citigroup, JPMorgan Chase, LendingClub, Goldman Sachs
MARKET FORECAST PERIOD	2025 - 2032
KEY MARKET OPPORTUNITIES	Digital payment solutions expansion, Sustainable finance initiatives growth, Personalized financial products demand, Enhanced credit scoring technology, Fintech collaborations and partnerships
COMPOUND ANNUAL GROWTH RATE (CAGR)	4.77% (2025 - 2032)

The global digital lending platform market size is estimated to be valued at US$ 14.4 billion in 2024. Over the projection period, global demand for digital lending platforms is predicted to increase at a CAGR of 17.6%, owing to growing popularity of online financial services. By 2034, total industry revenue is set to reach a staggering US$ 80.1 billion.

Attributes	Details
Base Value (2023)	US$ 12.2 billion
Industry Size in 2024	US$ 14.4 billion
Industry Revenue in 2034	US$ 80.1 billion
Value CAGR (2024 to 2034)	17.6%

Country-wise Insights

Countries	Value CAGR
United States	8.2%
China	9.6%
Brazil	4.3%
India	6.1%

Category-wise Insights

By Lending Platform Infrastructure	Value CAGR
Integration Layer	4.4%
User Experience (UX)	5.9%
Risk Assessment and Underwriting	9.6%
Loan Origination and Servicing	10.5%
Payment Integration	8.2%
Security and Compliance	6.1%
Analytics and Reporting	4.8%

By Lending Models	Value CAGR
Point-of-Sale (PoS) Financing	8.2%
Buy Now Pay Later (BNPL)	11.4%
Embedded Credit Cards	7.3%
Real Estate or Mortgage Lending	5.1%
Gig Economy and Freelancer Platforms	3.9%
Digital Wallets and Payment Apps	9.9%
Others	4.7%

End-user	Value CAGR
Individual/Consumers	8.2%
Business/Corporates	10.8%

JPMorgan Chase & Co. operates as a financial services company worldwide. It operates through four segments: Consumer & Community Banking (CCB), Corporate & Investment Bank (CIB), Commercial Banking (CB), and Asset & Wealth Management (AWM). The CCB segment offers s deposit, investment and lending products, payments, and services to consumers; lending, deposit, and cash management and payment solutions to small businesses; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit card, auto loan, and leasing services. The CIB segment provides investment banking products and services, including corporate strategy and structure advisory, and equity and debt markets capital-raising services, as well as loan origination and syndication; payments and cross-border financing; and cash and derivative instruments, risk management solutions, prime brokerage, and research. This segment also offers securities services, including custody, fund accounting and administration, and securities lending products for asset managers, insurance companies, and public and private investment funds. The CB segment provides financial solutions, including lending, payments, investment banking, and asset management to small business, large and midsized companies, local governments, and nonprofit clients; and commercial real estate banking services to investors, developers, and owners of multifamily, office, retail, industrial, and affordable housing properties. The AWM segment offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; and retirement products and services, brokerage, custody, trusts and estates, loans, mortgages, deposits, and investment management products. The company also provides ATM, online and mobile, and telephone banking services. JPMorgan Chase & Co. was founded in 1799 and is headquartered in New York, New York.

Graph and download economic data for Large Bank Consumer Mortgage Balances: Original Front-End Debt-to-Income (DTI): 75th Percentile (RCMFLBFEDTIPCT75) from Q3 2012 to Q3 2024 about FR Y-14M, origination, large, percentile, balance, mortgage, debt, consumer, banks, depository institutions, and USA.