Peer-to-peer lending platforms’ legitimacy in the eyes of the general public and lenders | Semantic Scholar (2024)

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@article{Zwilling2020PeertopeerLP, title={Peer-to-peer lending platforms’ legitimacy in the eyes of the general public and lenders}, author={Moti Zwilling and Galit Klein and Ze'ev Shtudiner}, journal={Israel Affairs}, year={2020}, volume={26}, pages={854 - 874}, url={https://api.semanticscholar.org/CorpusID:226291427}}
  • M. Zwilling, Galit Klein, Ze'ev Shtudiner
  • Published 26 October 2020
  • Business, Economics
  • Israel Affairs

Perceptions and public attitudes about the perceived risks of lending money through the internet and using P2P lending platform, and differences between users based on their activity on the platform, gender, income and personality characteristics are found.

9 Citations

Background Citations

1

9 Citations

Lack of Competition in the Financial Market in Israel: The Conflict between the Needs of P2P Lenders and the Platforms’ Intentions
    Galit KleinZe'ev ShtudinerM. Zwilling

    Economics, Business

  • 2020

Peer-to-peer (P2P) lending began as a kind of sharing economy within the field of finance. Using internet platforms, P2P lending attempts to offer an alternative to traditional financial institutions

Why do peer-to-peer (P2P) lending platforms fail? The gap between P2P lenders' preferences and the platforms’ intentions
    Galit KleinZe'ev ShtudinerM. Zwilling

    Economics, Business

    Electronic Commerce Research

  • 2021

In the current study, we examine why peer-to-peer (P2P) lending platforms play only a minor role in the finance industry in Israel, compared to the traditional banking system. We conducted two

  • 13
  • PDF
Peer-to-Peer (P2P) Lending Risk Management: Assessing Credit Risk on Social Lending Platforms Using Textual Factors
    Michael Siering

    Business, Computer Science

    ACM Trans. Manag. Inf. Syst.

  • 2023

This study analyzes more than 70,000 loans funded at a leading social lending platform and shows that linguistic and content-based factors help to explain a loan's probability of default and that content- based factors are more important than linguistic variables.

  • 2
Success Factors Influencing Peer-to-Peer Lending to Support Financial Innovation
    Natnara ChulawateS. Kiattisin

    Business, Economics

    Sustainability

  • 2023

The purpose of this study is to identify success factors that are conducive to developing the ability to create financial innovation within developing countries for the sake of sustainability. The

  • 1
  • PDF
Are You Ready for Risk? Time Preferences and Risk Attitudes in Peer to Peer Lending Platforms
    Ze'ev ShtudinerGalit KleinM. Zwilling

    Economics, Business

    SSRN Electronic Journal

  • 2022

The findings indicated that P2P lenders are less risk-averse and have future preferences, indicating that this P1P platform is perceived as a risky instrument.

Uncovering gender bias in attitudes towards financial advisors
    Galit KleinZe'ev ShtudinerM. Zwilling

    Business, Sociology

  • 2021
  • 4
The mechanism of credit risk contagion among internet P2P lending platforms based on a SEIR model with time-lag
    Chengguo ZhaoMeng LiJun WangShujian Ma

    Computer Science, Economics

  • 2021
  • 24
  • PDF
Public Perception of Online P2P Lending Applications
    Sahiba KhanRanjit SinghH. K. BakerGomtesh Jain

    Computer Science, Business

    Journal of Theoretical and Applied Electronic…

  • 2024

This study examines significant topics and customer sentiments conveyed in reviews of P2P lending applications (apps) in India by employing topic modeling and sentiment analysis and concludes that LenDenClub had the highest proportion of positive reviews.

Are you ready for risk? Lender time preferences and risk attitudes in peer-to-peer lending platforms
    Ze'ev ShtudinerGalit KleinM. Zwilling

    Economics

    Applied Economics Letters

  • 2023

19 References

The Business Models and Economics of Peer-to-Peer Lending
    A. MilnePaul Parboteeah

    Economics, Business

  • 2016

This paper reviews peer-to-peer (P2P) lending, its development in the UK and other countries, and assesses the business and economic policy issues surrounding this new form of intermediation. P2P

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The Business Models and Economics of Peer-to-Peer lending. ECRI Research Report No 17, May 2016
    A. MilnePaul Parboteeah

    Economics, Business

  • 2016

This paper reviews peer-to-peer (P2P) lending, its development in the UK and other countries, and assesses the business and economic policy issues surrounding this new form of intermediation. P2P

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Journal of Internet Banking and Commerce Online Peer-to-peer Lending – a Literature Review
    Alexander BachmannAlexander De Burkhardt Funk

    Economics, Business

An overview of the P2P lending market is given and insights on how the determinants affect the borrowers' likelihood of successful funding, the final interest rate that has to be paid as well as the relationship of the borrowers' characteristics and lending success are given.

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Does Gender Affect Funding Success at the Peer-to-Peer Credit Markets? Evidence from the Largest German Lending Platform
    Nataliya BarasinskaDorothea Schaefer

    Business, Economics

  • 2010

Studies of peer-to-peer lending in the USA find that female borrowers have better chances of getting funds than males. Is differential treatment of borrowers of different sexes a common feature of

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Understanding the Sharing Economy -- Drivers and Impediments for Participation in Peer-to-Peer Rental
    Florian HawlitschekTimm TeubnerHenner Gimpel

    Business, Economics

    2016 49th Hawaii International Conference on…

  • 2016

This article develops a questionnaire for assessing motives for and against participating in what is casually referred to as the "Sharing Economy" and investigates drivers and impediments for user activity in such markets by means of an online survey.

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  • PDF
Trust in others: does it affect investment decisions?
    Galit KleinZe'ev Shtudiner

    Psychology, Economics

  • 2016

In recent years, we have witnessed a fundamental change in the way laypeople approach economic issues—from a complete reliance on the financial system as the major source of investment wisdom to

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The sharing economy: Why people participate in collaborative consumption
    Juho HamariMimmi SjöklintAntti Ukkonen

    Economics, Sociology

    J. Assoc. Inf. Sci. Technol.

  • 2016

The results show that participation in CC is motivated by many factors such as its sustainability, enjoyment of the activity as well as economic gains, and suggest that in CC an attitude‐behavior gap might exist; people perceive the activity positively and say good things about it, but this good attitude does not necessary translate into action.

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Organizational Legitimacy: Six Key Questions
    David L. DeephouseJonathan BundyL. TostMark C. Suchman

    Business, Sociology

  • 2016

Legitimacy is a fundamental concept of organizational institutionalism. It influences how organizations behave and has been shown to affect their performance and survival (Pollock & Rindova, 2003;

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Fools Rush in? The Institutional Context of Industry Creation
    Howard E. AldrichMarlene Fiol

    Business, Economics

  • 1994

New organizations are always vulnerable to the liabilities of newness, but such pressures are especially severe when an industry is in its formative years. We focus on one set of constraints facing

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  • PDF
Investment pattern clustering based on online P2P lending platform
    N. LuoFan Shen

    Business, Computer Science

    2016 IEEE/ACIS 15th International Conference on…

  • 2016

An effective approach of data preprocessing, namely Key Points Approximate Fitting (KPAF) algorithm, to identify different investment patterns is proposed, which contributes to a better accuracy of clustering.

  • 7
  • PDF

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