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Screening Peers Softly: Inferring the Quality of Small Borrowers

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Cited by:

  1. Douglas J. Cumming & Gaël Leboeuf & Armin Schwienbacher, 2020. "Crowdfunding models: Keep‐It‐All vs. All‐Or‐Nothing," Financial Management, Financial Management Association International, vol. 49(2), pages 331-360, June.
  2. Carli, Francesco & Suetens, Sigrid & Uras, Burak & Visser, Philine, 2021. "Asymmetric Group Loan Contracts : Experimental Evidence," Other publications TiSEM 918d8091-4038-4d14-af04-8, Tilburg University, School of Economics and Management.
  3. Eccles, Peter & Grout, Paul & Siciliani, Paolo & Zalewska, Anna, 2021. "The impact of machine learning and big data on credit markets," Bank of England working papers 930, Bank of England.
  4. Gregory F Udell, 2015. "SME Access to Intermediated Credit: What Do We Know and What Don't We Know?," RBA Annual Conference Volume (Discontinued), in: Angus Moore & John Simon (ed.),Small Business Conditions and Finance, Reserve Bank of Australia.
  5. Christian Haddad & Lars Hornuf, 2016. "The Emergence of the Global Fintech Market: Economic and Technological Determinants," Research Papers in Economics 2016-10, University of Trier, Department of Economics.
  6. Olena Havrylchyk & Aref Mahdavi-Ardekani, 2020. "Real effects of lending-based crowdfunding platforms on the SMEs," Post-Print halshs-02994903, HAL.
  7. Tobias Berg & Andreas Fuster & Manju Puri, 2022. "FinTech Lending," Annual Review of Financial Economics, Annual Reviews, vol. 14(1), pages 187-207, November.
  8. Chen, Xiao & Chong, Zhaohui & Giudici, Paolo & Huang, Bihong, 2022. "Network centrality effects in peer to peer lending," Physica A: Statistical Mechanics and its Applications, Elsevier, vol. 600(C).
  9. Davaadorj, Zagdbazar & Enkhtaivan, Bolortuya & Lu, Wenling, 2024. "The role of job titles in online peer-to-peer lending: An empirical investigation on skilled borrowers," Journal of Behavioral and Experimental Finance, Elsevier, vol. 41(C).
  10. Douglas J. Cumming & Lars Hornuf, 2020. "Marketplace Lending of SMEs," CESifo Working Paper Series 8100, CESifo.
  11. Belleflamme, Paul & Omrani, Nessrine & Peitz, Martin, 2015. "The economics of crowdfunding platforms," Information Economics and Policy, Elsevier, vol. 33(C), pages 11-28.
  12. Gangopadhyay, Partha & Jain, Siddharth & Bakry, Walid, 2022. "In search of a rational foundation for the massive IT boom in the Australian banking industry: Can the IT boom really drive relationship banking?," International Review of Financial Analysis, Elsevier, vol. 82(C).
  13. Margaretic, Paula & Cifuentes, Rodrigo & Carreño, José Gabriel, 2021. "Banks’ interconnections and peer effects: Evidence from Chile," Research in International Business and Finance, Elsevier, vol. 58(C).
  14. Josh Lerner & Ramana Nanda, 2020. "Venture Capital's Role in Financing Innovation: What We Know and How Much We Still Need to Learn," Journal of Economic Perspectives, American Economic Association, vol. 34(3), pages 237-261, Summer.
  15. Wolfgang Pointner & Burkhard Raunig, 2018. "A primer on peer-to-peer lending: immediate financial intermediation in practice," Monetary Policy & the Economy, Oesterreichische Nationalbank (Austrian Central Bank), issue Q3/18, pages 36-51.
  16. Kriebel, Johannes & Stitz, Lennart, 2022. "Credit default prediction from user-generated text in peer-to-peer lending using deep learning," European Journal of Operational Research, Elsevier, vol. 302(1), pages 309-323.
  17. Kasper Regenburg & Morten Nicklas Bigler Seitz, 2021. "Criminals, bankruptcy, and cost of debt," Review of Accounting Studies, Springer, vol. 26(3), pages 1004-1045, September.
  18. Andrew Grant & Luke Deer, 2020. "Consumer marketplace lending in Australia: Credit scores and loan funding success," Australian Journal of Management, Australian School of Business, vol. 45(4), pages 607-623, November.
  19. Xinlong Li & Andrew T. Ching, 2024. "How Does a Firm Adapt in a Changing World? The Case of Prosper Marketplace," Marketing Science, INFORMS, vol. 43(3), pages 673-693, May.
  20. Gorkem Turgut Ozer & Brad N. Greenwood & Anandasivam Gopal, 2023. "Digital Multisided Platforms and Women’s Health: An Empirical Analysis of Peer-to-Peer Lending and Abortion Rates," Information Systems Research, INFORMS, vol. 34(1), pages 223-252, March.
  21. Nicola Branzoli & Ilaria Supino, 2020. "FinTech credit: a critical review of empirical research," Questioni di Economia e Finanza (Occasional Papers) 549, Bank of Italy, Economic Research and International Relations Area.
  22. Lei Lu & Jianxing Wei & Weixing Wu & Yi Zhou, 2023. "Pricing strategies in BigTech lending: Evidence from China," Financial Management, Financial Management Association International, vol. 52(2), pages 333-374, June.
  23. Brock, J. Michelle & de Haas, Ralph, 2021. "Discriminatory Lending : Evidence from Bankers in the Lab," Other publications TiSEM c54f4f4f-3ad0-4d68-8962-d, Tilburg University, School of Economics and Management.
  24. J. Michelle Brock & Ralph De Haas, 2023. "Discriminatory Lending: Evidence from Bankers in the Lab," American Economic Journal: Applied Economics, American Economic Association, vol. 15(2), pages 31-68, April.
  25. Yang, Xiuyun & Li, Min & Liang, Shanshan, 2024. "How consumers’ digital engagement affects regional innovation capacity in China?," Economic Modelling, Elsevier, vol. 139(C).
  26. Olena Havrylchyk & Marianne Verdier, 2018. "The Financial Intermediation Role of the P2P Lending Platforms," Comparative Economic Studies, Palgrave Macmillan;Association for Comparative Economic Studies, vol. 60(1), pages 115-130, March.
  27. Li, Aimin & Li, Zhiyong & Bellotti, Anthony, 2023. "Predicting loss given default of unsecured consumer loans with time-varying survival scores," Pacific-Basin Finance Journal, Elsevier, vol. 78(C).
  28. Zhou Rongxi & Xiong Yahui & Wang Ning & Wang Xizu, 2019. "Coupling Degree Evaluation of China’s Internet Financial Ecosystem Based on Entropy Method and Principal Component Analysis," Journal of Systems Science and Information, De Gruyter, vol. 7(5), pages 399-421, October.
  29. Campbell, Dennis & Loumioti, Maria & Wittenberg-Moerman, Regina, 2019. "Making sense of soft information: interpretation bias and loan quality," Journal of Accounting and Economics, Elsevier, vol. 68(2).
  30. Franklin Allen & Xian Gu & Julapa Jagtiani, 2021. "A Survey of Fintech Research and Policy Discussion," Review of Corporate Finance, now publishers, vol. 1(3-4), pages 259-339, July.
  31. Maggie Rong Hu & Xiaoyang Li & Yang Shi & Xiaoquan (Michael) Zhang, 2023. "Numerological Heuristics and Credit Risk in Peer-to-Peer Lending," Information Systems Research, INFORMS, vol. 34(4), pages 1744-1760, December.
  32. Joseph P. Hughes & Julapa Jagtiani & Choon-Geol Moon, 2022. "Consumer lending efficiency: commercial banks versus a fintech lender," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 8(1), pages 1-39, December.
  33. Chen, Xiao & Huang, Bihong & Ye, Dezhu, 2018. "The role of punctuation in P2P lending: Evidence from China," Economic Modelling, Elsevier, vol. 68(C), pages 634-643.
  34. Oren Rigbi, 2013. "The Effects of Usury Laws: Evidence from the Online Loan Market," The Review of Economics and Statistics, MIT Press, vol. 95(4), pages 1238-1248, October.
  35. Serena Gallo, 2021. "Fintech platforms: Lax or careful borrowers’ screening?," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 7(1), pages 1-33, December.
  36. Beck, Thorsten & Gambacorta, Leonardo & Huang, Yiping & Li, Zhenhua & Qiu, Han, 2022. "Big techs, QR code payments and financial inclusion," CEPR Discussion Papers 17297, C.E.P.R. Discussion Papers.
  37. Christian Haddad & Lars Hornuf, 2021. "The Impact of Fintech Startups on Financial Institutions' Performance and Default Risk," CESifo Working Paper Series 9050, CESifo.
  38. Ludovico Maria Cocco & Elisa Cavezzali & Ugo Rigoni & Giorgia Simion, 2024. "How does soft information on the causes of default affect debt renegotiation? The Italian evidence," Annals of Finance, Springer, vol. 20(1), pages 45-89, March.
  39. Saman Adhami & Gianfranco Gianfrate & Sofia Johan, 2023. "Risks and returns in crowdlending," Eurasian Business Review, Springer;Eurasia Business and Economics Society, vol. 13(2), pages 309-340, June.
  40. Qizhi Tao & Yizhe Dong & Ziming Lin, 0. "Who can get money? Evidence from the Chinese peer-to-peer lending platform," Information Systems Frontiers, Springer, vol. 0, pages 1-17.
  41. Ho, Kung-Cheng & Gu, Yan & Yan, Cheng & Gozgor, Giray, 2024. "Peer effects in the online peer-to-peer lending market: Ex-ante selection and ex-post learning," International Review of Financial Analysis, Elsevier, vol. 92(C).
  42. D Dulani Jayasuriya & Mohamed Ayaz & Michael Williams, 2023. "The use of digital footprints in the US mortgage market," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, vol. 63(1), pages 353-401, March.
  43. Jiang, Jinglin & Liao, Li & Lu, Xi & Wang, Zhengwei & Xiang, Hongyu, 2021. "Deciphering big data in consumer credit evaluation," Journal of Empirical Finance, Elsevier, vol. 62(C), pages 28-45.
  44. Wei Zhang & Yingxiu Zhao & Pengfei Wang & Dehua Shen, 2020. "Investor Sentiment and the Return Rate of P2P Lending Platform," Asia-Pacific Financial Markets, Springer;Japanese Association of Financial Economics and Engineering, vol. 27(1), pages 97-113, March.
  45. Miller, Sarah, 2015. "Information and default in consumer credit markets: Evidence from a natural experiment," Journal of Financial Intermediation, Elsevier, vol. 24(1), pages 45-70.
  46. Liu, Zhengchi & Shang, Jennifer & Wu, Shin-yi & Chen, Pei-yu, 2020. "Social collateral, soft information and online peer-to-peer lending: A theoretical model," European Journal of Operational Research, Elsevier, vol. 281(2), pages 428-438.
  47. Chen, Xiao & Huang, Bihong & Shaban, Mohamed, 2022. "Naïve or sophisticated? Information disclosure and investment decisions in peer to peer lending," Journal of Corporate Finance, Elsevier, vol. 77(C).
  48. Nigmonov, Asror & Shams, Syed & Alam, Khorshed, 2022. "Macroeconomic determinants of loan defaults: Evidence from the U.S. peer-to-peer lending market," Research in International Business and Finance, Elsevier, vol. 59(C).
  49. Saul Estrin & Susanna Khavul & Mike Wright, 2022. "Soft and hard information in equity crowdfunding: network effects in the digitalization of entrepreneurial finance," Small Business Economics, Springer, vol. 58(4), pages 1761-1781, April.
  50. Douglas J. Cumming & Andrea Martinez-Salgueiro & Robert S. Reardon & Ahmed Sewaid, 2022. "COVID-19 bust, policy response, and rebound: equity crowdfunding and P2P versus banks," The Journal of Technology Transfer, Springer, vol. 47(6), pages 1825-1846, December.
  51. Ruyi Ge & Juan Feng & Bin Gu, 2016. "Borrower’s default and self-disclosure of social media information in P2P lending," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 2(1), pages 1-6, December.
  52. Chen, Xiao & Huang, Bihong & Ye, Dezhu, 2020. "Gender gap in peer-to-peer lending: Evidence from China," Journal of Banking & Finance, Elsevier, vol. 112(C).
  53. Olena Havrylchyk, 2018. "Regulatory framework for the loan-based crowdfunding platforms," OECD Economics Department Working Papers 1513, OECD Publishing.
  54. Viola Ackfeld & Werner Güth, 2019. "Personal Information Disclosure under Competition for Benefits: Is Sharing Caring?," Discussion Paper Series of the Max Planck Institute for Research on Collective Goods 2019_04, Max Planck Institute for Research on Collective Goods.
  55. Ruyi Ge & Zhiqiang (Eric) Zheng & Xuan Tian & Li Liao, 2021. "Human–Robot Interaction: When Investors Adjust the Usage of Robo-Advisors in Peer-to-Peer Lending," Information Systems Research, INFORMS, vol. 32(3), pages 774-785, September.
  56. D'Acunto, Francesco & Ghosh, Pulak & Jain, Rajiv & Rossi, Alberto G., 2022. "How costly are cultural biases?," LawFin Working Paper Series 34, Goethe University, Center for Advanced Studies on the Foundations of Law and Finance (LawFin).
  57. Garrett T. Senney & Jonathan R. Lhost, 2024. "Balancing Attraction and Risk Revelation: The Optimal Reservation Price in Peer-to-Peer Loan Auctions," Review of Industrial Organization, Springer;The Industrial Organization Society, vol. 64(2), pages 289-314, March.
  58. Tigges, Maximilian & Mestwerdt, Sönke & Tschirner, Sebastian & Mauer, René, 2024. "Who gets the money? A qualitative analysis of fintech lending and credit scoring through the adoption of AI and alternative data," Technological Forecasting and Social Change, Elsevier, vol. 205(C).
  59. Zaiyan Wei & Mingfeng Lin, 2017. "Market Mechanisms in Online Peer-to-Peer Lending," Management Science, INFORMS, vol. 63(12), pages 4236-4257, December.
  60. Freedman, Seth & Jin, Ginger Zhe, 2017. "The information value of online social networks: Lessons from peer-to-peer lending," International Journal of Industrial Organization, Elsevier, vol. 51(C), pages 185-222.
  61. Christian Haddad & Lars Hornuf, 2016. "The Emergence of the Global Fintech Market: Economic and Technological Determinants," CESifo Working Paper Series 6131, CESifo.
  62. Li, Zhiyong & Li, Aimin & Bellotti, Anthony & Yao, Xiao, 2023. "The profitability of online loans: A competing risks analysis on default and prepayment," European Journal of Operational Research, Elsevier, vol. 306(2), pages 968-985.
  63. Asror Nigmonov & Syed Shams, 2021. "COVID-19 pandemic risk and probability of loan default: evidence from marketplace lending market," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 7(1), pages 1-28, December.
  64. Pang, Professor Sulin & Hou, Xianyan & Xia, Lianhu, 2021. "Borrowers’ credit quality scoring model and applications, with default discriminant analysis based on the extreme learning machine," Technological Forecasting and Social Change, Elsevier, vol. 165(C).
  65. Nadia Nahar Purkayastha & Şule Erdem Tuzlukaya, 2020. "Determination Of The Benefits And Risks Of Peer-To-Peer (P2p) Lending: A Social Network Teory Approach," Copernican Journal of Finance & Accounting, Uniwersytet Mikolaja Kopernika, vol. 9(3), pages 131-143.
  66. Chin‐Yoong Wong & Yoke‐Kee Eng, 2020. "P2P finance and the effectiveness of monetary controls," Manchester School, University of Manchester, vol. 88(4), pages 617-639, July.
  67. Franz Flögel & Marius Beckamp, 2020. "Will FinTech make regional banks superfluous for small firm finance? Observations from soft information‐based lending in Germany," Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 49(2), July.
  68. Said Kaawach & Oskar Kowalewski & Oleksandr Talavera, 2023. "Automatic vs Manual Investing: Role of Past Performance," Discussion Papers 23-04, Department of Economics, University of Birmingham.
  69. Tobias Berg & Valentin Burg & Ana Gombović & Manju Puri, 2020. "On the Rise of FinTechs: Credit Scoring Using Digital Footprints," The Review of Financial Studies, Society for Financial Studies, vol. 33(7), pages 2845-2897.
  70. Qizhi Tao & Yizhe Dong & Ziming Lin, 2017. "Who can get money? Evidence from the Chinese peer-to-peer lending platform," Information Systems Frontiers, Springer, vol. 19(3), pages 425-441, June.
  71. Sutherland, Andrew G., 2020. "Technology is changing lending: Implications for research," Journal of Accounting and Economics, Elsevier, vol. 70(2).
  72. Carole Gresse & Hugo Marin, 2021. "Geographical-Proximity Bias in P2B Crowdlending Strategies," Working Papers hal-03338244, HAL.
  73. Tetyana Balyuk, 2023. "FinTech Lending and Bank Credit Access for Consumers," Management Science, INFORMS, vol. 69(1), pages 555-575, January.
  74. Inessa Liskovich & Maya Shaton, 2017. "Borrowers in Search of Feedback : Evidence from Consumer Credit Markets," Finance and Economics Discussion Series 2017-049, Board of Governors of the Federal Reserve System (U.S.).
  75. Yingxiu Zhao & Wei Zhang & Xiangyu Kong, 2019. "Dynamic Cross-Correlations between Participants’ Attentions to P2P Lending and Offline Loan in the Private Lending Market," Complexity, Hindawi, vol. 2019, pages 1-8, December.
  76. Peng, Hongfeng & Ji, Jiao & Sun, Hanwen & Xu, Haofeng, 2023. "Legal enforcement and fintech credit: International evidence," Journal of Empirical Finance, Elsevier, vol. 72(C), pages 214-231.
  77. Faten Ben Slimane & Antoine Rousseau, 2020. "Crowdlending Campaigns for Renewable Energy: Success Factors," Post-Print hal-02371926, HAL.
  78. GUO, Jianfeng & LIU, Xiaojie & CUI, Changnan & GU, Fu, 2021. "Influence of nonspecific factors on the interest rate of online peer-to-peer microloans in China," Finance Research Letters, Elsevier, vol. 41(C).
  79. Xiaoying Deng & Chong Liu & Seow Eng Ong, 2024. "Shadow Bank, Risk-Taking, and Real Estate Financing: Evidence from the Online Loan Market," The Journal of Real Estate Finance and Economics, Springer, vol. 68(1), pages 1-27, January.
  80. Chen, Shiyi & Gu, Yan & Liu, Qingfu & Tse, Yiuman, 2020. "How do lenders evaluate borrowers in peer-to-peer lending in China?," International Review of Economics & Finance, Elsevier, vol. 69(C), pages 651-662.
  81. Braggion, Fabio & Manconi, Alberto & Zhu, Haikun, 2023. "Household credit and regulatory arbitrage: Evidence from online marketplace lending," Other publications TiSEM 9fbc0f2e-26f5-414f-8384-c, Tilburg University, School of Economics and Management.
  82. Kowalewski, Oskar & Pisany, Paweł, 2022. "Banks' consumer lending reaction to fintech and bigtech credit emergence in the context of soft versus hard credit information processing," International Review of Financial Analysis, Elsevier, vol. 81(C).
  83. Chen, Xiao & Huang, Bihong & Ye, Dezhu, 2019. "The Gender Gap in Peer-to-Peer Lending: Evidence from the People’s Republic of China," ADBI Working Papers 977, Asian Development Bank Institute.
  84. Sha Zhou & Tao Ma & Zhengchi Liu, 2021. "Crowdfunding as a screener for collective investment," Electronic Commerce Research, Springer, vol. 21(1), pages 195-221, March.
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  87. Mahmud, Mahreen & Wahhaj, Zaki, 2019. "Charitable giving or signalling? Voluntary contributions by microcredit borrowers in Pakistan," Journal of Economic Behavior & Organization, Elsevier, vol. 158(C), pages 394-415.
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