Peer-to-Peer Lending: Evolution and Trends

Małgorzata Siemionek-Ruskań () and Mina Fanea-Ivanovici ()
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Małgorzata Siemionek-Ruskań: University of Gdansk, Faculty of Management

A chapter in Digitalization in Finance and Accounting, 2021, pp 15-23 from Springer

Abstract: Abstract The paper discusses the recent developments in peer-to-peer lending, which is one of the most innovative online-based financial products. Peer-to-peer lending, also known as lending-based crowdfunding, connects donors, supporters, lenders and investors with individuals or companies in search of funds for specific projects. The paper reviews the relevant literature in the field, presents a brief history of this financing method and discusses the main accounting implications of peer-to-peer lending transactions. The evolution and trends of this type of crowdfunding are then investigated by presenting best practice examples and the specific legislation progress in this matter in Europe.

Keywords: Peer-to-peer lending; Lending-based crowdfunding; Crowdfunding; Crowdfunding platforms (search for similar items in EconPapers)
Date: 2021
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Persistent link: https://EconPapers.repec.org/RePEc:spr:prbchp:978-3-030-55277-0_2

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DOI: 10.1007/978-3-030-55277-0_2

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