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Crypto Literacy in Peer-to-Peer Lending
SSRN Electronic Journal, 2021The 2008 and 2020 crises reinvigorated discussions on the democratization of finance. Peer-to-peer (P2P) lending is a valuable option worldwide, but credit risk is high. To encourage investors, P2P platforms use blockchain and the option of crypto as collateral.
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Online Peer-to-Peer Lending: A Lenders' Perspective
SSRN Electronic Journal, 2008Online Peer-to-Peer lending platforms claim to be beneficial for both borrowers and lenders by eliminating expensive intermediaries and reducing transaction costs. However, are the often inexperienced lenders who operate in a pseudonymous online environment with potentially significant information asymmetries really able to obtain an attractive return ...
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Blockchain, herding and trust in peer-to-peer lending
Managerial Finance, 2018Purpose The gradual implementation of blockchain technology in peer-to-peer (P2P) lending platforms facilitates safer, transparent and quick access to funds without having to deal with the more complex and costly processes of banks. Beyond that, the purpose of this paper is to examine trust-enhancing heuristics that show a need for blockchain to ...
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Impact of Culture in Peer-to-Peer Lending
Journal of Corporate FinanceAnand M. Goel, Hongju Ren
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Human–Robot Interaction: When Investors Adjust the Usage of Robo-Advisors in Peer-to-Peer Lending
Information Systems Research, 2021Zhiqiang Zheng, Xuan Tian
exaly
Information Asymmetry Among Investors and Strategic Bidding in Peer-to-Peer Lending
Information Systems Research, 2022Zaiyan Wei
exaly
Essays on the Economics of Peer-to-Peer Lending
2022This thesis presents three empirical studies about the peer-to-peer (P2P) lending market. The first study examines whether the announcement of a government support policy could have an impact on the P2P lending market, using the U.K.’s introduction of a tax-free P2P individual savings account as an example. I find that after the announcement of the new
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