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The supply chain\u2019s profit is heavily dependent on the buyer\u2019s profit difference between the two financing schemes. Moreover, we find that the supplier borrows the money to exactly cover the production cost. The equilibrium solutions of the FSPs\u2019 quit case and of the capital-sufficient supplier\u2019s case are also derived.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Originality\/value<\/jats:title><jats:p>First, we assign different risk profiles to different FSPs in our setting so that modeling a previously ignored but practically significant problem. Second, we innovatively take the FSP\u2019s quit probability into account in our model. Third, we elucidate how these factors can influence the relative efficiency of the two types of financing schemes and the settings of the contract, which further complements and extends the current SCF research.<\/jats:p><\/jats:sec>","DOI":"10.1108\/imds-09-2023-0694","type":"journal-article","created":{"date-parts":[[2024,5,21]],"date-time":"2024-05-21T05:27:46Z","timestamp":1716269266000},"page":"2120-2150","source":"Crossref","is-referenced-by-count":0,"title":["Sourcing from supplier in the presence of financial service providers\u2019 information asymmetry and quit probabilities"],"prefix":"10.1108","volume":"124","author":[{"ORCID":"https:\/\/orcid.org\/0000-0002-3833-4204","authenticated-orcid":false,"given":"Chaorui","family":"Huang","sequence":"first","affiliation":[]},{"given":"Song-Man","family":"Wu","sequence":"additional","affiliation":[]},{"ORCID":"https:\/\/orcid.org\/0000-0003-2379-2816","authenticated-orcid":false,"given":"Hoi Lam","family":"Ma","sequence":"additional","affiliation":[]},{"ORCID":"https:\/\/orcid.org\/0000-0002-0534-7930","authenticated-orcid":false,"given":"Sai Ho","family":"Chung","sequence":"additional","affiliation":[]}],"member":"140","published-online":{"date-parts":[[2024,5,21]]},"reference":[{"issue":"9","key":"key2024061714395122500_ref001","doi-asserted-by":"publisher","first-page":"3974","DOI":"10.1287\/mnsc.2017.2817","article-title":"Can trustworthiness in a supply chain be signaled?","volume":"64","year":"2018","journal-title":"Management Science"},{"issue":"1","key":"key2024061714395122500_ref002","doi-asserted-by":"publisher","first-page":"246","DOI":"10.1016\/j.ijpe.2013.07.005","article-title":"Competing in a supply chain via full-refund and no-refund customer returns policies","volume":"146","year":"2013","journal-title":"International Journal of Production Economics"},{"issue":"2","key":"key2024061714395122500_ref003","doi-asserted-by":"publisher","first-page":"435","DOI":"10.1287\/msom.2017.0667","article-title":"The cash flow advantages of 3PLs as supply chain orchestrators","volume":"21","year":"2019","journal-title":"Manufacturing and Service Operations Management"},{"issue":"10","key":"key2024061714395122500_ref004","doi-asserted-by":"publisher","first-page":"2307","DOI":"10.1111\/poms.13225","article-title":"Buyer financing in pull supply chains: zero\u2010interest early payment or in\u2010house factoring?","volume":"29","year":"2020","journal-title":"Production and Operations Management"},{"issue":"10","key":"key2024061714395122500_ref005","doi-asserted-by":"publisher","first-page":"4378","DOI":"10.1287\/mnsc.2019.3434","article-title":"On the financing benefits of supply chain transparency and blockchain adoption","volume":"66","year":"2020","journal-title":"Management Science"},{"key":"key2024061714395122500_ref006","doi-asserted-by":"publisher","first-page":"328","DOI":"10.1109\/TEM.2021.3108175","article-title":"Using blockchain to improve buffer-stock-sharing and combat cheating behaviors under virtual pooling","volume":"71","year":"2021","journal-title":"IEEE Transactions on Engineering Management"},{"issue":"1","key":"key2024061714395122500_ref007","doi-asserted-by":"publisher","first-page":"53","DOI":"10.1287\/msom.2017.0677","article-title":"Financing multiple heterogeneous suppliers in assembly systems: buyer finance vs. bank finance","volume":"20","year":"2018","journal-title":"Manufacturing and Service Operations Management"},{"journal-title":"National Bureau of Economic Research","article-title":"Does fintech substitute for banks? 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