The Democratization of Personal Consumer Loans? Determinants of Success in Online Peer-to-peer Lending Communities

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Herding behavior in online P2P lending: An empirical investigation (2012, methodology): “Besides social networks, borrowers’ characteristics, including demographic characteristics, financial strength, and effort prior to making a request, are regarded as determinants of funding success in P2P lending (Herzenstein et al. 2008).”
Predicting Credit Risk in Peer-to-Peer Lending: A Neural Network Approach (2015, background): “[11], there are no explicit rules that guide lenders to make a decision on how to lend their money.”
Evaluating credit risk and loan performance in online Peer-to-Peer (P2P) lending (2015, background): “Herzenstein et al. (2008) show that borrowers’ financial strength, their listing and publicizing efforts, and demographic attributes affect likelihood of funding success.”