The Development of P2P Lending Systems Determined by IT User (Consumer) Needs

Dariusz Dziuba

Problemy Zarzadzania, 2017, vol. 15, issue 71, 116-126

Abstract: The paper presents a model of direct P2P lending systems launched in response to the IT users’ (consumers’) changing needs and determined by the technological progress and the growing role of social media and networking. Based on the methodology proposed by the author, the global P2P lending market segment is estimated and analysed, with a focus on a major subset of Chinese platforms. The size of this segment is measured so as to determine the extent of its influence on the processes of economic development, including in particular job creation. The main benefits and risks of the model are identified, as well as its growth prospects.

Keywords: direct P2P lending; lending marketplaces; market implications; social media (search for similar items in EconPapers)
JEL-codes: E44 G21 G23 (search for similar items in EconPapers)
Date: 2017
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Persistent link: https://EconPapers.repec.org/RePEc:sgm:pzwzuw:v:15:i:71:y:2017:p:116-126

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