{"id":"https://openalex.org/W3022201018","doi":"https://doi.org/10.1145/3366424.3383557","title":"Fairness of Classification Using Users\u2019 Social Relationships in Online Peer-To-Peer Lending","display_name":"Fairness of Classification Using Users\u2019 Social Relationships in Online Peer-To-Peer Lending","publication_year":2020,"publication_date":"2020-04-20","ids":{"openalex":"https://openalex.org/W3022201018","doi":"https://doi.org/10.1145/3366424.3383557","mag":"3022201018"},"language":"en","primary_location":{"id":"doi:10.1145/3366424.3383557","doi":"https://doi.org/10.1145/3366424.3383557","is_oa":true,"landing_page_url":"https://doi.org/10.1145/3366424.3383557","pdf_url":null,"source":{"id":"https://openalex.org/S7407088480","display_name":"International World Wide Web Conference (WWW)","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":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Companion Proceedings of the Web Conference 2020","raw_type":"proceedings-article"},"volume":null,"type":"conference-paper","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://doi.org/10.1145/3366424.3383557","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5100630321","display_name":"Yanying Li","orcid":"https://orcid.org/0000-0002-0855-4249","observed_orcids":["https://orcid.org/0000-0002-0855-4249"]},"institutions":[{"id":"https://openalex.org/I108468826","display_name":"Stevens Institute of Technology","ror":"https://ror.org/02z43xh36","country_code":"US","type":"education","lineage":["https://openalex.org/I108468826"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Yanying Li","raw_affiliation_strings":["Department of Computer Science and Stevens Institute of Technology"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Computer Science and Stevens Institute of Technology","institution_ids":["https://openalex.org/I108468826"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5024383883","display_name":"Yue Ning","orcid":"https://orcid.org/0000-0002-1227-440X","observed_orcids":["https://orcid.org/0000-0002-1227-440X"]},"institutions":[{"id":"https://openalex.org/I108468826","display_name":"Stevens Institute of Technology","ror":"https://ror.org/02z43xh36","country_code":"US","type":"education","lineage":["https://openalex.org/I108468826"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Yue Ning","raw_affiliation_strings":["Department of Computer Science and Stevens Institute of Technology"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Computer Science and Stevens Institute of Technology","institution_ids":["https://openalex.org/I108468826"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5100346454","display_name":"Rong Liu","orcid":"https://orcid.org/0000-0001-7176-1999","observed_orcids":["https://orcid.org/0000-0001-7176-1999"]},"institutions":[{"id":"https://openalex.org/I108468826","display_name":"Stevens Institute of Technology","ror":"https://ror.org/02z43xh36","country_code":"US","type":"education","lineage":["https://openalex.org/I108468826"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Rong Liu","raw_affiliation_strings":["School of Business and Stevens Institute of Technology"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Business and Stevens Institute of Technology","institution_ids":["https://openalex.org/I108468826"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5048860862","display_name":"Ying Wu","orcid":"https://orcid.org/0000-0001-6296-8752","observed_orcids":["https://orcid.org/0000-0001-6296-8752","https://orcid.org/0000-0002-0433-7175"]},"institutions":[{"id":"https://openalex.org/I108468826","display_name":"Stevens Institute of Technology","ror":"https://ror.org/02z43xh36","country_code":"US","type":"education","lineage":["https://openalex.org/I108468826"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Ying Wu","raw_affiliation_strings":["School of Business and Stevens Institute of Technology"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Business and Stevens Institute of Technology","institution_ids":["https://openalex.org/I108468826"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5100460778","display_name":"Hui Wang","orcid":"https://orcid.org/0000-0002-3913-815X","observed_orcids":["https://orcid.org/0000-0002-3913-815X"]},"institutions":[{"id":"https://openalex.org/I108468826","display_name":"Stevens Institute of Technology","ror":"https://ror.org/02z43xh36","country_code":"US","type":"education","lineage":["https://openalex.org/I108468826"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Wendy Hui Wang","raw_affiliation_strings":["Department of Computer Science and Stevens Institute of Technology"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Computer Science and Stevens Institute of Technology","institution_ids":["https://openalex.org/I108468826"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I108468826"],"apc_list":null,"apc_paid":null,"fwci":2.5955,"has_fulltext":false,"cited_by_count":16,"citation_normalized_percentile":{"value":0.92684074,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":88,"max":98},"biblio":{"volume":null,"issue":null,"first_page":"733","last_page":"742"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10883","display_name":"Ethics and Social Impacts of AI","score":0.8041999936103821,"subfield":{"id":"https://openalex.org/subfields/3311","display_name":"Safety Research"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10883","display_name":"Ethics and Social Impacts of AI","score":0.8041999936103821,"subfield":{"id":"https://openalex.org/subfields/3311","display_name":"Safety Research"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.1071000024676323,"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/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.03290000185370445,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"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":0.9800000190734863},{"id":"https://openalex.org/keywords/algorithmic-fairness","display_name":"algorithmic fairness","score":0.8289999961853027},{"id":"https://openalex.org/keywords/interpersonal-relationships","display_name":"interpersonal relationships","score":0.7609999775886536},{"id":"https://openalex.org/keywords/counterfactual-fairness","display_name":"counterfactual fairness","score":0.765999972820282},{"id":"https://openalex.org/keywords/individual-fairness","display_name":"individual fairness","score":0.9990000128746033},{"id":"https://openalex.org/keywords/bias-mitigation","display_name":"bias mitigation","score":0.8759999871253967},{"id":"https://openalex.org/keywords/prosper","display_name":"PROSPER","score":0.5220000147819519},{"id":"https://openalex.org/keywords/social-networks","display_name":"social networks","score":0.6039999723434448},{"id":"https://openalex.org/keywords/classification-bias","display_name":"classification bias","score":0.36800000071525574}],"concepts":[{"id":"https://openalex.org/C108650721","wikidata":"https://www.wikidata.org/wiki/Q1783253","display_name":"Counterfactual thinking","level":2,"score":0.8477864265441895},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.8165798187255859},{"id":"https://openalex.org/C534932454","wikidata":"https://www.wikidata.org/wiki/Q161410","display_name":"Peer-to-peer","level":2,"score":0.5835120677947998},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.5713487863540649},{"id":"https://openalex.org/C4727928","wikidata":"https://www.wikidata.org/wiki/Q17164759","display_name":"Social network (sociolinguistics)","level":3,"score":0.5223373174667358},{"id":"https://openalex.org/C2777138686","wikidata":"https://www.wikidata.org/wiki/Q1787103","display_name":"Credit score","level":2,"score":0.4495750665664673},{"id":"https://openalex.org/C2780801425","wikidata":"https://www.wikidata.org/wiki/Q5164392","display_name":"Construct (python library)","level":2,"score":0.44778430461883545},{"id":"https://openalex.org/C518677369","wikidata":"https://www.wikidata.org/wiki/Q202833","display_name":"Social media","level":2,"score":0.3058963418006897},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.28877922892570496},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.27222856879234314},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.26097342371940613},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.1302856206893921},{"id":"https://openalex.org/C31258907","wikidata":"https://www.wikidata.org/wiki/Q1301371","display_name":"Computer network","level":1,"score":0.08629703521728516},{"id":"https://openalex.org/C77805123","wikidata":"https://www.wikidata.org/wiki/Q161272","display_name":"Social psychology","level":1,"score":0.08270218968391418}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1145/3366424.3383557","doi":"https://doi.org/10.1145/3366424.3383557","is_oa":true,"landing_page_url":"https://doi.org/10.1145/3366424.3383557","pdf_url":null,"source":{"id":"https://openalex.org/S7407088480","display_name":"International World Wide Web Conference (WWW)","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":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Companion Proceedings of the Web Conference 2020","raw_type":"proceedings-article"}],"best_oa_location":{"id":"doi:10.1145/3366424.3383557","doi":"https://doi.org/10.1145/3366424.3383557","is_oa":true,"landing_page_url":"https://doi.org/10.1145/3366424.3383557","pdf_url":null,"source":{"id":"https://openalex.org/S7407088480","display_name":"International World Wide Web Conference (WWW)","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":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Companion Proceedings of the Web Conference 2020","raw_type":"proceedings-article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/10","display_name":"Reduced inequalities","score":0.7578999996185303}],"sustainable_development_goals_aurora":[{"id":"https://metadata.un.org/sdg/10","display_name":"Reduced inequalities","score":0.5199999809265137}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":28,"referenced_works":["https://openalex.org/W1961345416","https://openalex.org/W1978549855","https://openalex.org/W2014352947","https://openalex.org/W2028128920","https://openalex.org/W2037387093","https://openalex.org/W2067562626","https://openalex.org/W2097246321","https://openalex.org/W2100960835","https://openalex.org/W2116666691","https://openalex.org/W2144540821","https://openalex.org/W2145576157","https://openalex.org/W2157928966","https://openalex.org/W2172129069","https://openalex.org/W2271752908","https://openalex.org/W2530395818","https://openalex.org/W2540757487","https://openalex.org/W2543774860","https://openalex.org/W2617709446","https://openalex.org/W2767437859","https://openalex.org/W2893240881","https://openalex.org/W2952517774","https://openalex.org/W2963779314","https://openalex.org/W2990981120","https://openalex.org/W3121768889","https://openalex.org/W3123936692","https://openalex.org/W3124284538","https://openalex.org/W3157172840","https://openalex.org/W4289258088"],"related_works":["https://openalex.org/W2187485630","https://openalex.org/W2503623748","https://openalex.org/W2035922182","https://openalex.org/W2891660323","https://openalex.org/W7099041458","https://openalex.org/W3083961251","https://openalex.org/W3198870673","https://openalex.org/W1977009091","https://openalex.org/W2225638362","https://openalex.org/W3124284538"],"abstract_inverted_index":{"Peer-to-peer":[0],"(P2P)":[1],"lending":[2,19,38,51,121],"marketplaces":[3],"on":[4,36,97],"the":[5,11,34,57,63,72,90,93,98,118,124,128,139,153,165,177],"Web":[6],"have":[7,54],"been":[8,55],"growing":[9],"over":[10,108],"last":[12],"decade.":[13],"By":[14],"providing":[15],"online":[16],"platforms,":[17],"P2P":[18,37,50,104,120],"enables":[20],"individuals":[21],"to":[22,30,61,152],"borrow":[23],"and":[24,29,88,135,137,170,183],"lend":[25],"money":[26],"directly":[27],"from":[28,114],"one":[31,116],"another.":[32],"Since":[33],"applicants":[35,143],"platforms":[39],"may":[40,78],"lack":[41],"sufficient":[42],"financial":[43],"history":[44],"for":[45,103],"assessment,":[46],"quite":[47],"a":[48,109,146],"few":[49],"service":[52],"providers":[53],"utilizing":[56,71,216],"applicants\u2019":[58,75,94],"social":[59,76,95,130,140,148,155,178,202,217],"relationships":[60,77,96],"improve":[62],"risk":[64,101],"prediction":[65,102],"accuracy":[66],"of":[67,74,92,100,117,132,142,161,186],"loan":[68,111,133],"applications.":[69],"However,":[70],"information":[73],"introduce":[79],"discrimination":[80],"in":[81,123,164],"prediction.":[82],"In":[83],"this":[84,190],"paper,":[85],"we":[86,192],"analyze":[87],"evaluate":[89],"impact":[91],"fairness":[99,162,169,185],"lending.":[105],"We":[106,126,157],"investigate":[107],"million":[110],"records":[112],"collected":[113],"Prosper.com,":[115],"leading":[119],"companies":[122],"world.":[125],"construct":[127],"Prosper":[129,154],"network":[131],"borrowers":[134],"lenders,":[136],"generate":[138],"features":[141],"by":[144,200],"adapting":[145],"state-of-the-art":[147],"credit":[149],"scoring":[150],"scheme":[151],"network.":[156],"consider":[158],"two":[159,194],"types":[160],"notions":[163],"literature,":[166],"namely":[167],"individual":[168,182],"counterfactual":[171,184],"fairness.":[172],"Our":[173,204],"results":[174,206],"demonstrate":[175],"that":[176,197,208],"score":[179],"harms":[180],"both":[181],"classification.":[187],"To":[188],"address":[189],"issue,":[191],"design":[193],"new":[195],"algorithms":[196,211],"mitigate":[198],"bias":[199,214],"generalizing":[201],"features.":[203],"experimental":[205],"show":[207],"our":[209],"mitigation":[210],"can":[212],"reduce":[213],"while":[215],"scores":[218],"effectively.":[219]},"counts_by_year":[{"year":2025,"cited_by_count":2},{"year":2024,"cited_by_count":4},{"year":2022,"cited_by_count":6},{"year":2021,"cited_by_count":3},{"year":2020,"cited_by_count":1}],"updated_date":"2026-11-01T11:40:01.658920","created_date":"2020-05-13T00:00:00"}