{"id":"https://openalex.org/W3122016244","doi":"https://doi.org/10.1108/ijbm-06-2014-0065","title":"Competition against common sense","display_name":"Competition against common sense","publication_year":2015,"publication_date":"2015-06-25","ids":{"openalex":"https://openalex.org/W3122016244","doi":"https://doi.org/10.1108/ijbm-06-2014-0065","mag":"3122016244"},"language":"en","primary_location":{"id":"doi:10.1108/ijbm-06-2014-0065","doi":"https://doi.org/10.1108/ijbm-06-2014-0065","is_oa":false,"landing_page_url":"https://doi.org/10.1108/ijbm-06-2014-0065","pdf_url":null,"source":{"id":"https://openalex.org/S170810187","display_name":"International Journal of Bank Marketing","issn_l":"0265-2323","issn":["0265-2323","1758-5937"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-class-a","anvur-scientific","cwts-core","fnege-4","jufo-1","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310319811","host_organization_name":"Emerald Publishing Limited","host_organization_lineage":["https://openalex.org/P4310319811"],"host_organization_lineage_names":["Emerald Publishing Limited"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Bank Marketing","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref"],"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/A5088758565","display_name":"Yuliya Komarova Loureiro","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I164389053","display_name":"Fordham University","ror":"https://ror.org/03qnxaf80","country_code":"US","type":"education","lineage":["https://openalex.org/I164389053"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Yuliya Komarova  Loureiro","raw_affiliation_strings":["School of Business, Fordham University, New York, New York, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Business, Fordham University, New York, New York, USA","institution_ids":["https://openalex.org/I164389053"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5062093388","display_name":"Laura Gonzalez","orcid":"https://orcid.org/0000-0001-6852-7915","observed_orcids":["https://orcid.org/0000-0001-6852-7915"]},"institutions":[{"id":"https://openalex.org/I164389053","display_name":"Fordham University","ror":"https://ror.org/03qnxaf80","country_code":"US","type":"education","lineage":["https://openalex.org/I164389053"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Laura Gonzalez","raw_affiliation_strings":["School of Business, Fordham University, New York, New York, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Business, Fordham University, New York, New York, USA","institution_ids":["https://openalex.org/I164389053"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I164389053"],"apc_list":null,"apc_paid":null,"fwci":5.1047,"has_fulltext":false,"cited_by_count":41,"citation_normalized_percentile":{"value":0.95017772,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":89,"max":99},"biblio":{"volume":"33","issue":"5","first_page":"605","last_page":"623"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9916999936103821,"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":0.9916999936103821,"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":0.002899999963119626,"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"}},{"id":"https://openalex.org/T10315","display_name":"Decision-Making and Behavioral Economics","score":0.002099999925121665,"subfield":{"id":"https://openalex.org/subfields/1800","display_name":"General Decision Sciences"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"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":1.0},{"id":"https://openalex.org/keywords/interpersonal-competition","display_name":"interpersonal competition","score":0.8429999947547913},{"id":"https://openalex.org/keywords/financial-exclusion","display_name":"financial exclusion","score":0.9210000038146973},{"id":"https://openalex.org/keywords/credit-decisions","display_name":"credit decision-making","score":0.6309999823570251},{"id":"https://openalex.org/keywords/age-bias","display_name":"age bias","score":0.7829999923706055},{"id":"https://openalex.org/keywords/gender-bias","display_name":"gender bias","score":0.8450000286102295},{"id":"https://openalex.org/keywords/borrower-characteristics","display_name":"borrower characteristics","score":0.5619999766349792},{"id":"https://openalex.org/keywords/loan-size","display_name":"loan size","score":0.6169999837875366}],"concepts":[{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.7501049041748047},{"id":"https://openalex.org/C91306197","wikidata":"https://www.wikidata.org/wiki/Q45767","display_name":"Competition (biology)","level":2,"score":0.7075476050376892},{"id":"https://openalex.org/C2778491294","wikidata":"https://www.wikidata.org/wiki/Q1339824","display_name":"Mindset","level":2,"score":0.6769461631774902},{"id":"https://openalex.org/C138090074","wikidata":"https://www.wikidata.org/wiki/Q572079","display_name":"Ceteris paribus","level":2,"score":0.6702388525009155},{"id":"https://openalex.org/C163239763","wikidata":"https://www.wikidata.org/wiki/Q5153637","display_name":"Common value auction","level":2,"score":0.58180832862854},{"id":"https://openalex.org/C2776291640","wikidata":"https://www.wikidata.org/wiki/Q2912517","display_name":"Value (mathematics)","level":2,"score":0.5480707287788391},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5469220280647278},{"id":"https://openalex.org/C2776950860","wikidata":"https://www.wikidata.org/wiki/Q2914681","display_name":"Originality","level":3,"score":0.5346754193305969},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.47363629937171936},{"id":"https://openalex.org/C164850336","wikidata":"https://www.wikidata.org/wiki/Q3685487","display_name":"Interpersonal communication","level":2,"score":0.46261531114578247},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.39942723512649536},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.38259077072143555},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.2389349639415741},{"id":"https://openalex.org/C175444787","wikidata":"https://www.wikidata.org/wiki/Q39072","display_name":"Microeconomics","level":1,"score":0.2131977677345276},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.1484825611114502},{"id":"https://openalex.org/C77805123","wikidata":"https://www.wikidata.org/wiki/Q161272","display_name":"Social psychology","level":1,"score":0.12217825651168823},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.0},{"id":"https://openalex.org/C18903297","wikidata":"https://www.wikidata.org/wiki/Q7150","display_name":"Ecology","level":1,"score":0.0},{"id":"https://openalex.org/C11012388","wikidata":"https://www.wikidata.org/wiki/Q170658","display_name":"Creativity","level":2,"score":0.0},{"id":"https://openalex.org/C111472728","wikidata":"https://www.wikidata.org/wiki/Q9471","display_name":"Epistemology","level":1,"score":0.0},{"id":"https://openalex.org/C86803240","wikidata":"https://www.wikidata.org/wiki/Q420","display_name":"Biology","level":0,"score":0.0},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","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}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1108/ijbm-06-2014-0065","doi":"https://doi.org/10.1108/ijbm-06-2014-0065","is_oa":false,"landing_page_url":"https://doi.org/10.1108/ijbm-06-2014-0065","pdf_url":null,"source":{"id":"https://openalex.org/S170810187","display_name":"International Journal of Bank Marketing","issn_l":"0265-2323","issn":["0265-2323","1758-5937"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-class-a","anvur-scientific","cwts-core","fnege-4","jufo-1","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310319811","host_organization_name":"Emerald Publishing Limited","host_organization_lineage":["https://openalex.org/P4310319811"],"host_organization_lineage_names":["Emerald Publishing Limited"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Bank Marketing","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[],"sustainable_development_goals_aurora":[{"display_name":"Reduced inequalities","id":"https://metadata.un.org/sdg/10","score":0.7699999809265137}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":40,"referenced_works":["https://openalex.org/W534311","https://openalex.org/W158727920","https://openalex.org/W1535929664","https://openalex.org/W1565956528","https://openalex.org/W1965991535","https://openalex.org/W1993325457","https://openalex.org/W2001884806","https://openalex.org/W2004990612","https://openalex.org/W2024277520","https://openalex.org/W2038224823","https://openalex.org/W2041989676","https://openalex.org/W2042731036","https://openalex.org/W2068959560","https://openalex.org/W2069917203","https://openalex.org/W2071170480","https://openalex.org/W2088840132","https://openalex.org/W2096952176","https://openalex.org/W2100411243","https://openalex.org/W2114362775","https://openalex.org/W2116442885","https://openalex.org/W2124433912","https://openalex.org/W2124650938","https://openalex.org/W2135485260","https://openalex.org/W2144540821","https://openalex.org/W2159078967","https://openalex.org/W2163284350","https://openalex.org/W2167161877","https://openalex.org/W2223267428","https://openalex.org/W3121721950","https://openalex.org/W3121815259","https://openalex.org/W3123058726","https://openalex.org/W3123390141","https://openalex.org/W3123748919","https://openalex.org/W3124284538","https://openalex.org/W3125870300","https://openalex.org/W3126098980","https://openalex.org/W4232712793","https://openalex.org/W4250394383","https://openalex.org/W4292157289","https://openalex.org/W7023601012"],"related_works":["https://openalex.org/W2272169327","https://openalex.org/W4408293972","https://openalex.org/W3125859517","https://openalex.org/W3037319007","https://openalex.org/W2102707980","https://openalex.org/W7100331431","https://openalex.org/W3146221682","https://openalex.org/W2148926381","https://openalex.org/W2888316041","https://openalex.org/W3019775692"],"abstract_inverted_index":{"Purpose":[0],"\u2013":[1,106,132,240],"The":[2,26,70,133],"purpose":[3],"of":[4,29,103,120,178,192,206,253,262,272,285,289,298],"this":[5,30,74,245,266],"paper":[6,267],"is":[7,32,173,247],"to":[8,22,63,86,99,111,161,249,269,278,294],"provide":[9],"insights":[10],"into":[11,231],"peer-to-peer":[12],"(P2P)":[13],"lending":[14,65,81,193,274],"which":[15,36,223],"has":[16],"served":[17],"as":[18,151,210,216,275],"one":[19],"important":[20],"tool":[21,277],"mitigate":[23],"financial":[24,84,101,280],"exclusion.":[25],"main":[27,129],"proposition":[28],"research":[31,246],"that":[33,233],"P2P":[34,80,263,273,299],"platforms,":[35],"in":[37,67,181,226,259],"many":[38],"ways":[39],"resemble":[40],"auctions,":[41],"naturally":[42],"instill":[43],"competitive":[44,296],"mindset":[45],"among":[46],"lenders;":[47],"furthermore,":[48],"given":[49],"only":[50],"limited":[51],"objective":[52],"decision":[53,257],"criteria,":[54],"certain":[55,290],"borrower":[56],"personal":[57,218],"characteristics":[58],"fuel":[59],"interpersonal":[60,197,254],"competition":[61,255],"enough":[62],"impact":[64,252],"decisions":[66,194],"suboptimal":[68],"ways.":[69],"two":[71],"experiments":[72,108],"support":[73],"proposition.":[75],"As":[76],"the":[77,100,128,182,187,207,236,242,251,260,295],"result,":[78],"while":[79,282],"offers":[82],"unprecedented":[83],"opportunities":[85],"some":[87],"consumer":[88,291],"groups,":[89],"it":[90],"may":[91],"unintentionally":[92],"exclude":[93],"others,":[94],"and":[95,114,127,158,167,201],"even":[96],"pose":[97],"threat":[98],"well-being":[102],"lenders.":[104],"Design/methodology/approach":[105],"Two":[107],"were":[109],"used":[110],"collect":[112],"data":[113],"are":[115,146,212,234],"reported":[116],"here.":[117],"Rigorous":[118],"pretesting":[119],"manipulation":[121],"stimuli":[122],"preceded":[123],"a":[124,137,175,217,276],"pilot":[125],"(exploratory)":[126],"experiment.":[130],"Findings":[131],"authors":[134,188],"generally":[135],"find":[136,190],"significant":[138],"age":[139,172],"bias,":[140],"where":[141],"ceteris":[142],"paribus,":[143],"younger":[144],"borrowers":[145],"offered":[147],"lower":[148,159,227],"loan":[149,204],"amounts":[150,228],"lenders":[152,211],"most":[153,213,237],"likely":[154,214],"infer":[155],"greater":[156],"risk":[157],"likelihood":[160],"repay":[162],"loans":[163,232],"on":[164,256],"time.":[165],"However,":[166],"perhaps":[168],"more":[169,199],"interestingly,":[170],"when":[171],"not":[174],"strong":[176],"indicator":[177],"experience":[179],"(as":[180],"case":[183],"with":[184],"30":[185],"something),":[186],"repeatedly":[189],"evidence":[191],"driven":[195],"by":[196],"competition:":[198],"attractive":[200],"financially":[202],"successful":[203],"applicants":[205],"same":[208],"gender":[209],"perceived":[215],"threat,":[219],"decreasing":[220],"lenders\u2019":[221],"confidence,":[222],"subsequently":[224],"results":[225],"being":[229],"invested":[230],"possibly":[235],"promising.":[238],"Originality/value":[239],"To":[241],"best":[243],"knowledge,":[244],"first":[248],"demonstrate":[250],"making":[258],"context":[261],"lending.":[264],"Furthermore,":[265],"contributes":[268],"better":[270],"understanding":[271],"allay":[279],"exclusion,":[281],"raising":[283],"concerns":[284],"possible":[286],"unintended":[287],"exclusion":[288],"segments":[292],"due":[293],"nature":[297],"platforms.":[300]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":2},{"year":2024,"cited_by_count":3},{"year":2023,"cited_by_count":6},{"year":2022,"cited_by_count":4},{"year":2021,"cited_by_count":5},{"year":2020,"cited_by_count":5},{"year":2019,"cited_by_count":8},{"year":2018,"cited_by_count":1},{"year":2017,"cited_by_count":3},{"year":2016,"cited_by_count":3}],"updated_date":"2026-10-16T09:59:22.235173","created_date":"2021-02-01T00:00:00"}