The Diffusion of Financial Innovations: An Examination of the Adoption of Small Business Credit Scoring by Large Banking Organizations.

Examines the diffusion of United States banks' use of credit scoring for small business lending. Banking organizations' responses to a survey that asked whether they had adopted credit scoring for small business lending as of June 1997; Estimation of hazard and tobit models to explain the diffusion pattern of small business credit scoring models; Explanatory variables that include market, firm and managerial factors.