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Financial Disintermediation: The Case of Peer-to-Peer Lending

In: The Palgrave Handbook of FinTech and Blockchain

Author

Listed:
  • Petr Teplý

    (Prague University of Economics and Business)

  • Yael Roshwalb

    (Prague University of Economics and Business)

  • Michal Polena

    (Charles University)

Abstract

This chapter covers the potential uses of blockchain from accounting, legal, and financial perspectives, provides a brief review of smart contracts and includes a high-level summary of classifiers and risk scoring methodologies. We have used the example of disintermediation in peer-to-peer (P2P) online lending as a case study. We identify three main areas in which blockchain as a service can provide advantages: blockchain-based creditworthiness assessments, blockchain and real-time accounting, and historical data-keeping. Finally, we estimate that the funding of P2P platforms will increase from a recent USD 100 billion to USD 150 billion by 2025 (of which we forecast a 10% market share of P2P blockchain-based platforms or USD 15 billion in absolute terms).

Suggested Citation

  • Petr Teplý & Yael Roshwalb & Michal Polena, 2021. "Financial Disintermediation: The Case of Peer-to-Peer Lending," Springer Books, in: Maurizio Pompella & Roman Matousek (ed.), The Palgrave Handbook of FinTech and Blockchain, edition 1, chapter 0, pages 375-401, Springer.
    • Handle: RePEc:spr:sprchp:978-3-030-66433-6_17
    DOI: 10.1007/978-3-030-66433-6_17
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