Purpose – The purpose of this research is to provide insights into peer-to-peer (P2P) lending which has served as one important tool to mitigate financial exclusion. The main proposition of this research is that P2P platforms, which in many ways resemble auctions, naturally instill competitive...

Fintech applications enable convenient direct access to online lending opportunities and highlight the need for financial literacy. This study examines heuristics and behavioral decisions in for-profit vs. pro-social online Peer-to-Peer (P2P) lending. The goal is to support financial literacy...

This paper examines the reporting in the financial press of 1,027 bank agreements established between January 2004 and May 2007. Overall, the frequency of loan reporting in the press increased to over 30%. Reported loans still have longer maturities than non-reported ones, and reported firm...

This paper examines the effect of "aggressive" bank lending on subsequent bank relationships. The analysis is based on a unique hand collected dataset of 515 technology and non-technology firms that went public during the 1996-2000 "dotcom" period. It examines the effect of their pre-IPO bank...

This paper examines the effects of lender and borrower personal characteristics (perceived attractiveness, age and gender) on online peer-to-peer lending decisions. The extant research in finance, marketing, and psychology provides substantial support for the "beauty premium" effect, where...

The 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. This study examines lender views...