This paper reviews recent advances in the empirical literature of FinTech and household finance.,We survey the effects of FinTech on three different aspects of household finance: payments, lending and portfolio decisions. Specifically, we examine the impact of digital payments, mobile money, FinTech lending, marketplace lending, robo-advising and crowd-funding.,Studies suggest that FinTech has positively benefited households by increasing consumption and borrowing. This allows them to smoothen their consumption across time. Furthermore, there is an improvement in their portfolio diversification. Nonetheless, there is also evidence that certain households overconsume and borrow beyond their means.,Despite the importance of this topic, there has been a lack of empirical evidence until recently. In this paper, we take stock of the empirical evidence in the literature through the lens of household finance

中文翻译：

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金融科技与家庭金融：经验文献回顾

本文回顾了金融科技和家庭金融经验文献的最新进展。我们调查了金融科技对家庭金融三个不同方面的影响：支付，贷款和投资组合决策。具体来说，我们研究了数字支付，移动货币，金融科技贷款，市场贷款，机器人咨询和众筹的影响。研究表明，金融科技通过增加消费和借贷使家庭受益。这使他们可以随着时间的推移而减少消费。此外，他们的投资组合多样化也有所改善。但是，也有证据表明，某些家庭过度消费和借贷超出了他们的能力。尽管这一主题很重要，但直到最近仍缺乏经验证据。在本文中，