Are you ready for risk? Lender time preferences and risk attitudes in peer-to-peer lending platforms

Zeev Shtudiner, Galit Klein and Moti Zwilling

Applied Economics Letters, 2025, vol. 32, issue 5, 675-679

Abstract: Despite the booming FinTech industry, peer-to-peer (P2P) lending platforms continue to play an insignificant role. This study explores differences in time preferences and risk attitudes between P2P lenders and the general public (non-users). The findings indicated that P2P lenders are less risk-averse and have future preferences, indicating that this P2P platform is perceived as a risky instrument. Based on our findings, we recommend that companies reduce the hazard associated with investing with P2P platforms to attract more risk-averse investors or offer higher interest rates for riskier loans to attract investors who prefer higher risk.

Date: 2025
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DOI: 10.1080/13504851.2023.2283555

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