Trust and Credit: The Role of Appearance in Peer-to-peer Lending

By J. Duarte, Stephan Siegel, Lance A. Young. 2012

960 citations recorded by the source corpus.

Subfields: Economics and Econometrics, Management Information Systems, Marketing

View Paper: https://www.semanticscholar.org/paper/b9475170ca58eb83868376517d7ab50bb4f52d65

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Citations in the corpus

Perceptions and Price: Evidence from CEO Presentations at IPO Roadshows (2017, methodology): “…MTurk is being used as an alternative to traditional lab experiments (e.g., Rennekamp, 2012; Koonce, Miller, and Winchel, 2015; Asay and Hales, 2015), and there is also potential for its use to generate a construct not available via archival sources (e.g., Duarte, Siegel, and Young, 2012).”
Digital Finance and FinTech: current research and future research directions (2017, positive): “Duarte et al. (2012) used photographs of borrowers from the platform to address the question of whether borrowers appearance has an inﬂuence on funding success.”
Trust, Investment, and Business Contracting (2015, background): “Duarte, Siegel, and Young (2012) find that the impression of trustworthiness matters in financial transactions.”
Crowdfunding and social capital: A systematic review using a dynamic perspective (2021, background): “In contrast, trust as evaluated by the content of pictures (Duarte et al., 2012) and the length of the loan description (Caldieraro et al., 2018) is negatively related to default rates.”
Evaluating credit risk and loan performance in online Peer-to-Peer (P2P) lending (2015, background): “This finding is consistent with the studies by Duarte et al. (2012) who report that borrowers with a trustworthy characteristic will have better credit scores but low probability of default.”
Evaluating borrower’s default risk in peer-to-peer lending: evidence from a lending platform in China (2017, background): “Study by Duarte, Siegel, and Young (2012) further pointed out that the borrowers who seem more reliable get higher credit scores, and have higher possibilities to have their loans funded and make the default rates less (Duarte, Siegel, and Young 2012).”
Funding the story of hybrid ventures: Crowdfunder lending preferences and linguistic hybridity (2017, background): “In addition to pitch content, the linguistic style used (Parhankangas and Renko, 2017) as well as favorable impression formation (Duarte et al., 2012) have been found to make a difference.”
Determinants of Default in P2P Lending (2015, background): “Duarte, Siegel and Young [82] find that borrowers who appear more trustworthy have higher probabilities of having their loans funded.”