Consumer Credit Scoring: Do Situational Circumstances Matter?

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The Democratization of Personal Consumer Loans? Determinants of Success in Online Peer-to-peer Lending Communities (2008, background): “Whereas our findings provide extensive and clear guidance to borrowers, they have much less to say to lenders participating in P2P lending communities.”
Herding behavior in online P2P lending: An empirical investigation (2012, background): “Avery et al. (2004) studied consumer lending and showed that a borrower’s financial strength is crucial in her ability to obtain secured and unsecured credit from financial institutions. Similarly, a borrower’s financial strength plays an important role in the P2P lending market (Iyer et al. 2009, H”
Emergence of Financial Intermediaries in Electronic Markets: The Case of Online P2P Lending (2009, unknown): “As there are usually a lot of explanatory variables on interest rates (Avery, Calem, and Canner 2004), we need to find adequate partners matching in terms of several variables.”