This paper explores how borrowers' financial and personal information, loan characteristics
and lending models affect peer-to-peer (P2P) loan funding outcomes. Using a large sample …

This work examines the performance of joint-liability loans, compared with individual loans,
in online P2P lending. We show that, with all else being equal, joint-type loans are less likely …

Auction theory states that setting a non-trivial reservation price will generally reduce
efficiency. However, new research has shown that reservation prices can have strong …

Peer-to-peer (P2P) lending markets are young but fast-growing. Furthermore, P2P lending
competes with traditional bank lending. Several questions arise: How big are fintech credit …

Web-based financial intermediation on a peer-to-peer (P2P) basis will eventually prevail as
an economically superior form of organisation compared to the traditional banking business …

Online peer-to-peer (P2P) lending is an emerging financial mode that combines the Internet
with private lending to provide unsecured lending among individuals. The interest rate and …

Peer-to-peer (P2P) marketplaces, such as Uber, Airbnb, and Lending Club, have
experienced massive growth in recent years. They now constitute a significant portion of the …

Abstract Online Peer-to-Peer (P2P) lending marketplaces allow individuals to lend and
borrow directly among each other without the mediation of a creditor bank institution. Prior …

Abstract Peer-to-Peer (P2P) lending provides online users an innovative loaning and
investment vehicle without the intermediation of financial institutions. However, the research …

The term online peer-to-peer lending (P2P) describes the loan origination process between
private individuals on online platforms were financial institutions operate only as …