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Erschienen in:
2009 | OriginalPaper | Buchkapitel
People-to-People Lending: The Emerging E-Commerce Transformation of a Financial Market
verfasst von : Hui Wang, Martina Greiner, Jay E. Aronson
Erschienen in: Value Creation in E-Business Management
Verlag: Springer Berlin Heidelberg
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This paper provides an overview of the concept of people-to-people (P2P) lending, a relatively new e-commerce phenomenon that has the potential to radically change the structure of the loan segment of the financial industry. P2P lending creates a marketplace of individuals and a social fabric through which these individuals interact. It provides efficient information transfer, thus perhaps creating more perfect markets. P2P lending requires information systems support to make it function, and to provide a social network mechanism that may be crucial for its success. We discuss different P2P lending marketplace models, and how information systems support the creation and management of these new marketplaces, and how they support the individuals involved. We conclude by providing some important research questions and directions, and issues for which further investigation is called.