{"id":"https://openalex.org/W2225638362","doi":null,"title":"Peer-to-Peer Lending: An Empirical Study","display_name":"Peer-to-Peer Lending: An Empirical Study","publication_year":2009,"publication_date":"2009-12-01","ids":{"openalex":"https://openalex.org/W2225638362","mag":"2225638362"},"language":"en","primary_location":{"id":"pmh:oai:aisel.aisnet.org:amcis2009_dc-1014","doi":null,"is_oa":false,"landing_page_url":"http://aisel.aisnet.org/cgi/viewcontent.cgi?article=1014&context=amcis2009_dc","pdf_url":null,"source":{"id":"https://openalex.org/S30879505","display_name":"Journal of the Association for Information Systems","issn_l":"1536-9323","issn":["1536-9323"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a-star","anvur-scientific","cwts-core","dongbi-a","fnege-1","jufo-3","norway-2","poland-140","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310321080","host_organization_name":"Association for Information Systems","host_organization_lineage":["https://openalex.org/P4310321080"],"host_organization_lineage_names":["Association for Information Systems"],"type":"journal"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"AMCIS 2009 Doctoral Consortium","raw_type":"text"},"volume":null,"type":"article","is_traditional":true,"indexed_in":[],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5101427125","display_name":"Mingfeng Lin","orcid":"https://orcid.org/0000-0003-3239-7412","observed_orcids":["https://orcid.org/0000-0003-3239-7412"]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Mingfeng Lin","raw_affiliation_strings":["Management Information Systems"],"raw_orcid":"https://orcid.org/0000-0003-3239-7412","affiliations":[{"raw_affiliation_string":"Management Information Systems","institution_ids":[]}]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":["https://openalex.org/A5101427125"],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":1.0184,"has_fulltext":false,"cited_by_count":33,"citation_normalized_percentile":{"value":0.85308214,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":88,"max":98},"biblio":{"volume":null,"issue":null,"first_page":"132","last_page":"138"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9994999766349792,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9994999766349792,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12392","display_name":"Sharing Economy and Platforms","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/1406","display_name":"Marketing"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/peer-to-peer-lending","display_name":"peer-to-peer lending","score":0.9929999709129333},{"id":"https://openalex.org/keywords/online-social-networks","display_name":"social networking sites","score":0.8519999980926514},{"id":"https://openalex.org/keywords/network-metrics","display_name":"network metrics","score":0.6610000133514404},{"id":"https://openalex.org/keywords/information-asymmetry","display_name":"information asymmetry","score":0.7929999828338623},{"id":"https://openalex.org/keywords/creditworthiness","display_name":"creditworthiness","score":0.8399999737739563},{"id":"https://openalex.org/keywords/loan-performance","display_name":"loan performance","score":0.9309999942779541},{"id":"https://openalex.org/keywords/unsecured-loans","display_name":"unsecured loans","score":0.6019999980926514},{"id":"https://openalex.org/keywords/financial-intermediation","display_name":"financial intermediation","score":0.46799999475479126}],"concepts":[{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.7366493344306946},{"id":"https://openalex.org/C534932454","wikidata":"https://www.wikidata.org/wiki/Q161410","display_name":"Peer-to-peer","level":2,"score":0.6368128657341003},{"id":"https://openalex.org/C75949130","wikidata":"https://www.wikidata.org/wiki/Q848010","display_name":"Database transaction","level":2,"score":0.6339373588562012},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5874552726745605},{"id":"https://openalex.org/C137577040","wikidata":"https://www.wikidata.org/wiki/Q431965","display_name":"Information asymmetry","level":2,"score":0.5702570080757141},{"id":"https://openalex.org/C4727928","wikidata":"https://www.wikidata.org/wiki/Q17164759","display_name":"Social network (sociolinguistics)","level":3,"score":0.5315815210342407},{"id":"https://openalex.org/C2983355114","wikidata":"https://www.wikidata.org/wiki/Q161380","display_name":"Credit card","level":3,"score":0.49657970666885376},{"id":"https://openalex.org/C142189719","wikidata":"https://www.wikidata.org/wiki/Q1276633","display_name":"Interpersonal ties","level":2,"score":0.4756440818309784},{"id":"https://openalex.org/C65146658","wikidata":"https://www.wikidata.org/wiki/Q1416431","display_name":"Financial intermediary","level":2,"score":0.44959181547164917},{"id":"https://openalex.org/C98045186","wikidata":"https://www.wikidata.org/wiki/Q205663","display_name":"Process (computing)","level":2,"score":0.44312334060668945},{"id":"https://openalex.org/C2776035688","wikidata":"https://www.wikidata.org/wiki/Q1606558","display_name":"Affect (linguistics)","level":2,"score":0.4382185935974121},{"id":"https://openalex.org/C120936955","wikidata":"https://www.wikidata.org/wiki/Q2155640","display_name":"Empirical research","level":2,"score":0.43379220366477966},{"id":"https://openalex.org/C2779143981","wikidata":"https://www.wikidata.org/wiki/Q1445414","display_name":"Intermediation","level":2,"score":0.4169427156448364},{"id":"https://openalex.org/C2777138686","wikidata":"https://www.wikidata.org/wiki/Q1787103","display_name":"Credit score","level":2,"score":0.4151945114135742},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3615104854106903},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.32117384672164917},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.29469388723373413},{"id":"https://openalex.org/C518677369","wikidata":"https://www.wikidata.org/wiki/Q202833","display_name":"Social media","level":2,"score":0.13352245092391968},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.11768010258674622},{"id":"https://openalex.org/C111472728","wikidata":"https://www.wikidata.org/wiki/Q9471","display_name":"Epistemology","level":1,"score":0.0},{"id":"https://openalex.org/C111919701","wikidata":"https://www.wikidata.org/wiki/Q9135","display_name":"Operating system","level":1,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.0},{"id":"https://openalex.org/C199360897","wikidata":"https://www.wikidata.org/wiki/Q9143","display_name":"Programming language","level":1,"score":0.0},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.0},{"id":"https://openalex.org/C114614502","wikidata":"https://www.wikidata.org/wiki/Q76592","display_name":"Combinatorics","level":1,"score":0.0},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"pmh:oai:aisel.aisnet.org:amcis2009_dc-1014","doi":null,"is_oa":false,"landing_page_url":"http://aisel.aisnet.org/cgi/viewcontent.cgi?article=1014&context=amcis2009_dc","pdf_url":null,"source":{"id":"https://openalex.org/S30879505","display_name":"Journal of the Association for Information Systems","issn_l":"1536-9323","issn":["1536-9323"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a-star","anvur-scientific","cwts-core","dongbi-a","fnege-1","jufo-3","norway-2","poland-140","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310321080","host_organization_name":"Association for Information Systems","host_organization_lineage":["https://openalex.org/P4310321080"],"host_organization_lineage_names":["Association for Information Systems"],"type":"journal"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"AMCIS 2009 Doctoral Consortium","raw_type":"text"},{"id":"mag:2225638362","doi":null,"is_oa":false,"landing_page_url":"https://aisel.aisnet.org/amcis2009_dc/17/","pdf_url":null,"source":{"id":"https://openalex.org/S4306417665","display_name":"Americas Conference on Information Systems","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"conference"},"license":null,"license_id":null,"version":null,"is_accepted":false,"is_published":false,"raw_source_name":"Americas Conference on Information Systems","raw_type":null}],"best_oa_location":null,"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":19,"referenced_works":["https://openalex.org/W188326880","https://openalex.org/W1516768501","https://openalex.org/W1536411649","https://openalex.org/W1546523058","https://openalex.org/W2005294649","https://openalex.org/W2008018630","https://openalex.org/W2051152277","https://openalex.org/W2053208593","https://openalex.org/W2085491458","https://openalex.org/W2108491286","https://openalex.org/W2109469951","https://openalex.org/W2115396357","https://openalex.org/W2135509167","https://openalex.org/W2146142289","https://openalex.org/W2159096632","https://openalex.org/W3021731726","https://openalex.org/W3022339544","https://openalex.org/W3122597312","https://openalex.org/W3126075742"],"related_works":["https://openalex.org/W3124284538","https://openalex.org/W7099041458","https://openalex.org/W2144540821","https://openalex.org/W1551381317","https://openalex.org/W6982422536","https://openalex.org/W2737191669","https://openalex.org/W2096107588","https://openalex.org/W63704827","https://openalex.org/W3011752145","https://openalex.org/W4399268398"],"abstract_inverted_index":{"Online":[0],"peer-to-peer":[1],"(P2P)":[2],"lending,":[3],"where":[4],"individual":[5,12],"investors":[6],"provide":[7,39],"unsecured":[8],"loans":[9],"directly":[10],"to":[11,110],"borrowers":[13],"without":[14],"the":[15,32,47,62,88,97,107,115],"intermediation":[16],"of":[17,27,34,64,87,106],"banks,":[18],"has":[19],"experienced":[20],"rapid":[21],"growth":[22],"in":[23,49,67,96,120],"recent":[24],"years.":[25],"One":[26],"its":[28],"defining":[29],"features":[30],"is":[31,74,109],"presence":[33],"social":[35,52,90,121],"networks,":[36,53],"which":[37],"could":[38],"important":[40],"credit":[41,117],"information":[42,94,118],"about":[43],"borrowers.":[44],"Drawing":[45],"on":[46],"literature":[48],"finance":[50],"and":[51,57,70,100,113],"I":[54],"study":[55],"whether":[56,71],"how":[58],"network":[59,91],"metrics":[60],"affect":[61],"outcome":[63],"financial":[65],"transaction":[66],"this":[68],"market,":[69],"such":[72],"credit-worthiness":[73],"supported":[75],"ex":[76],"post":[77],"through":[78],"loan":[79],"performance":[80],"data.":[81],"Results":[82],"show":[83],"that":[84,101],"relational":[85],"aspects":[86],"online":[89],"help":[92],"mitigate":[93],"asymmetry":[95],"lending":[98],"process,":[99],"a":[102],"critical":[103],"success":[104],"factor":[105],"industry":[108],"better":[111],"reveal":[112],"utilize":[114],"soft":[116],"embedded":[119],"networks.":[122]},"counts_by_year":[{"year":2024,"cited_by_count":1},{"year":2021,"cited_by_count":6},{"year":2020,"cited_by_count":3},{"year":2019,"cited_by_count":2},{"year":2018,"cited_by_count":6},{"year":2017,"cited_by_count":4},{"year":2016,"cited_by_count":5},{"year":2015,"cited_by_count":2},{"year":2014,"cited_by_count":2},{"year":2012,"cited_by_count":2}],"updated_date":"2026-10-16T09:59:22.235173","created_date":"2016-06-24T00:00:00"}