Financial Disintermediation: The Case of Peer-to-Peer Lending

Petr Teply, Yael Roshwalb and Michal Polena
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Yael Roshwalb: Prague University of Economics and Business
Michal Polena: Charles University

Chapter Chapter 17 in The Palgrave Handbook of FinTech and Blockchain, 2021, pp 375-401 from Springer

Abstract: Abstract This chapter covers the potential uses of blockchain from accounting, legal, and financial perspectives, provides a brief review of smart contracts and includes a high-level summary of classifiers and risk scoring methodologies. We have used the example of disintermediation in peer-to-peer (P2P) online lending as a case study. We identify three main areas in which blockchain as a service can provide advantages: blockchain-based creditworthiness assessments, blockchain and real-time accounting, and historical data-keeping. Finally, we estimate that the funding of P2P platforms will increase from a recent USD 100 billion to USD 150 billion by 2025 (of which we forecast a 10% market share of P2P blockchain-based platforms or USD 15 billion in absolute terms).

Date: 2021
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Persistent link: https://EconPapers.repec.org/RePEc:spr:sprchp:978-3-030-66433-6_17

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DOI: 10.1007/978-3-030-66433-6_17

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