The purpose of this paper is to provide insights into peer-to-peer (P2P) lending which has served as one important tool…
The paper investigates how friendship relationships act as pipes, prisms, and herding signals in a large online peer-to-peer lending site.…
As transaction and data hubs, e-commerce platforms are uniquely positioned to extend credit to users and have become leading players…
Berg et al. (2018) analyze the information content of the digital footprint – information that people leave online simply by accessing…
How policy uncertainty affects household credit access? Li et al. (2017) use crowdfunding data from a major peer-to-peer (P2P) crowdfunding…
Does marketplace lending (MPL) benefit its borrowers? Using comprehensive monthly credit bureau data for borrowers on a major MPL platform,…
Asymmetric information between borrowers and lenders may induce inefficiencies in credit markets, lenders can partially mitigate these inefficiencies by using…
Using detailed transactions data from a peer-to-peer lending market, Lin et al. (2018) present the first direct evidence that, when faced…
P2P lending is a burgeoning online service that allows individuals to directly borrow money from each other. In these platforms,…
A recent working paper by Jagtiani and Lemieux explored the alternative data and machine learning roles in P2P lending. There have been concerns…