A trust model for online peer-to-peer lending: a lender’s perspective | Semantic Scholar (2024)

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Topics 173 Citations 69 References Related Papers

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@article{Chen2014ATM, title={A trust model for online peer-to-peer lending: a lender’s perspective}, author={Dongyu Chen and Fujun Lai and Zhangxi Lin}, journal={Information Technology and Management}, year={2014}, volume={15}, pages={239-254}, url={https://api.semanticscholar.org/CorpusID:12329150}}
  • Dongyu Chen, F. Lai, Zhangxi Lin
  • Published in Inf. Technol. Manag. 1 December 2014
  • Business, Economics
  • Information Technology and Management

An integrated trust model specifically for the online P2P lending context is developed to better understand the critical factors that drive lenders’ trust and provides valuable insights for both borrowers and intermediaries.

173 Citations

Highly Influential Citations

16

Background Citations

71

Methods Citations

4

Results Citations

7

Topics

Online Peer-to-peer (opens in a new tab)Lenders (opens in a new tab)Borrowers (opens in a new tab)Peer-to-peer (opens in a new tab)Loan Requests (opens in a new tab)Online Peer-to-Peer Lending (opens in a new tab)

173 Citations

Exploring the Critical Factors Affecting Lender Trust to Invest in Online Peer-to-Peer Lending in Indonesia
    Amanda ArdeliaZ. DalimuntheR. Triono

    Economics, Business

    SSRN Electronic Journal

  • 2021

The results show that Willingness to Lend is significantly affected by Trust in Platform, while Perceived Regulatory Protection, Service Quality and Security Protection are significant factors influencing lenders' Trust in the Platform.

The Impact of Personal Characteristics on Lender ’ s Trust in Online P 2 P Lending
    Limpanadusadee Matugorn

    Business, Economics

  • 2017

Online Peer-to-Peer (P2P) lending is an online innovative lending and investment without the intermediation of traditional financial institutions. This study examines the impact of characteristics of…

  • 1
  • PDF
ANALYSIS OF WILLINGNESS TO LEND IN PEER-TO-PEER LENDING APPLICATIONS
    Z. AbdullatifN. PurnaningsihM. Simanjuntak

    Economics, Business

  • 2020

Peer-to-Peer Lending (P2P) applications were developed as an alternative funding solution, mainly for small-medium enterprises. P2P can also be a promising alternative investment instrument. The…

  • 2
  • Highly Influenced
The Effect of Lender’s Protection on Online Peer-to-Peer Lending in Indonesia
    Nurin AmaliaZ. DalimuntheR. Triono

    Economics, Business

  • 2019

This study aims to analyze how lender protection for default risk provided by peer to peer lending platform (P2P) effect to prospective lenders’ lending intentions in Indonesia, and use platform…

  • 5
Trust in peer-to-peer (P2P) lending platforms in Malaysia: understanding the determinants from retail investors' perspectives
    Mohammad Tariqul Islam Khan

    Business, Economics

    Journal of Economic and Administrative Sciences

  • 2022

PurposeDespite a large stake of investment by retail investors and a growing number of peer-to-peer (P2P) lending platforms coupled with the initiation of secondary market and strong regulatory…

  • 4
What are the determinants of lending decisions for Chinese Peer-to-Peer lenders?
    F. Meng

    Economics, Business

  • 2016

Online peer to peer lending is an emerging and essential financing approach for small and micro enterprises. Over the past years, Chinese P2P lending market has developed very fast, and has become…

  • 2
  • Highly Influenced
  • PDF
The Research on the Influencing Factors of Trust in Online P2P Lending: Based on Platform
    Ying QianXiaohong Lin

    Economics, Business

    2020 IEEE 4th Information Technology, Networking…

  • 2020

A model of China's P2P lending develops and shows that platform trust is very important and can affect investment willingness significantly, and among trust antecedents, institution- based trust is more important than characteristic-based trust.

  • 1
  • Highly Influenced
Cheap Talk? The Impact of Lender-Borrower Communication on Peer-to-Peer Lending Outcomes
    J. XuM. Chau

    Business, Economics

    J. Manag. Inf. Syst.

  • 2018

The research broadens and deepens the understanding of the roles of information disclosure, social influence, information quality, and trust in economic exchanges in online settings and shows that not only the amount but also the content of such direct communication matters.

  • 78
Influence of trust and risk on peer-to-peer investment willingness: a bidirectional perspective
    Mengfan ZhaiYuan ChenMingxia Wei

    Economics, Business

    Internet Res.

  • 2022

PurposeThe purpose of this paper is to investigate the influence of trust and perceived risk on investment willingness considering the bidirectional relationship between trust and perceived risk in…

See Also
Peer-to-peer lending platforms’ legitimacy in the eyes of the general public and lenders | Semantic Scholar

  • 4
PEER-TO-PEER (P2P) LENDING PLATFORM ADOPTION FOR SMALL MEDIUM ENTERPRISES (SMEs): A PRELIMINARY STUDY
    Monica RosavinaR. A. Rahadi

    Business, Economics

  • 2018

Peer to Peer (P2P) Lending platform has been alternative financing which minimized the barriers occurred in credit transaction by traditional banks and financial institutions. This platform should…

  • 10
  • PDF

...

...

69 References

Antecedents of initial trust in the online peer-to-peer lending marketplace
    Dongyu ChenChen GezhiDingfei JieSujuan JiangJiangang Shen

    Business, Economics

    ICSSSM11

  • 2011

The results reveal that the more structural and relational social capital a borrower gain, the more trust he/she can obtain from lenders, moreover, lenders' disposition will also has a significant influence on trust.

  • 11
Institution-Based Trust in Interorganizational Exchange Relationships: The Role of Online B2B Marketplaces on Trust Formation
    P. Pavlou

    Business, Economics

    J. Strateg. Inf. Syst.

  • 2002
  • 513
Building Effective Online Marketplaces with Institution-Based Trust
    P. PavlouDavid Gefen

    Sociology, Economics

    Inf. Syst. Res.

  • 2002

The study shows that the perceived effectiveness of institutional mechanisms encompasses both "weak" and "strong" mechanisms, which contributes to an effective online marketplace, and helps explain why, despite the inherent uncertainty that arises when buyers and sellers are separated in time and in space, online marketplaces are proliferating.

  • 2,450
  • PDF
From virtual community members to C2C e-commerce buyers: Trust in virtual communities and its effect on consumers' purchase intention
    Yao-bin LuLing ZhaoBin Wang

    Business, Computer Science

    Electron. Commer. Res. Appl.

  • 2010
  • 644
  • PDF
Trust-Assuring Arguments in B2C E-commerce: Impact of Content, Source, and Price on Trust
    Dongmin KimI. Benbasat

    Business, Computer Science

    J. Manag. Inf. Syst.

  • 2010

The results suggest that customers are more influenced by the content of trust-assuring arguments when the price of a product is relatively high than when it is relatively low, and that when customers have more at stake, they do not necessarily have to rely only on an independent third-party source to form high trust beliefs about the store.

  • 183
Judging Borrowers by the Company They Keep : Social Networks and Adverse Selection in Online Peer-to-Peer Lending
    Mingfeng LinS. Viswanathan Galit Shmueli

    Economics, Business

  • 2009

We study the online market for peer to peer (P2P) lending in which individuals bid on unsecured microloans sought by other individual borrowers. Using a large sample of consummated and failed…

  • 103
  • PDF
Social Networks as Signaling Mechanisms: Evidence from Online Peer-to-Peer Lending
    Mingfeng LinN. Prabhala K. Shue

    Business, Economics

  • 2009

We study the online market for peer-to-peer (P2P) lending in which individuals bid on unsecured microloans sought by other individual borrowers. Using a large sample of consummated and failed…

  • 37
  • Highly Influential
  • PDF
Consumer trust in B2C e-Commerce and the importance of social presence: experiments in e-Products and e-Services
    David GefenD. Straub

    Business, Computer Science

  • 2004
  • 1,900
  • PDF
A trust-based consumer decision-making model in electronic commerce: The role of trust, perceived risk, and their antecedents
    D. KimD. FerrinH. Rao

    Business, Computer Science

    Decis. Support Syst.

  • 2008
  • 3,130
  • PDF
Developing and Validating Trust Measures for e-Commerce: An Integrative Typology
    D. HarrisonMcknight bulletV. ChoudhuryC. Kacmar

    Business, Computer Science

    Inf. Syst. Res.

  • 2002

This paper contributes by proposing and validating measures for a multidisciplinary, multidimensional model of trust in e-commerce, which shows that trust is indeed a multiddimensional concept.

  • 4,788
  • PDF

...

...

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