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Susan Johnson · Arvind Ashta · Djamchid Assadi

30 citations0/0 files storedJournal of Electronic Commerce in Organizations

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FinTech, Crowdfunding, Digital Finance Microfinance and Financial Inclusion Sharing Economy and Platforms

Abstract

Over the past five years, “peer-to-peer” lending websites have become a new approach to mobilizing funds for on-lending to impoverished people in developing countries (microfinance) and domestic markets. In this paper, the authors review these developments and use the analytical lens of asymmetric information and transactions costs to explain the characteristics of the different models in operation. The authors find that “peer-to-peer” lending is more of an aspiration than a reality. Although web 2.0 technologies have offered new means of mobilizing funds, the borrowing mechanisms at work follow mainstream conventional approaches to the management of lending.

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References

1990Institutions, Institutional Change and Economic Performance 1991Institutions, Institutional Change and Economic Performance 1970The Market for "Lemons": Quality Uncertainty and the Market Mechanism 1981Credit Rationing in Markets with Imperfect Information 2007Wikinomics: how mass collaboration changes everything 2004The wisdom of crowds: why the many are smarter than the few and how collective wisdom shapes business, economies, societies and nations 2007Credit Rationing in Markets With Imperfect Information 2006Enterprise 2.0: the dawn of emergent collaboration

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2020Crowdfunding innovations in emerging economies: Risk and credit control in peer‐to‐peer lending network platforms 2015The Strategic Challenges of a Social Innovation: The Case of R ang D e in Crowdfunding 2018Peer-to-peer lending and real estate mortgages: evidence from United Kingdom 2025Exploring the role of digital financial literacy in the adoption of Peer-to-Peer lending platforms

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