{"id":"https://openalex.org/W3017467509","doi":"https://doi.org/10.1007/s10796-020-10006-7","title":"Borrower Learning Effects: Do Prior Experiences Promote Continuous Successes in Peer-to-Peer Lending?","display_name":"Borrower Learning Effects: Do Prior Experiences Promote Continuous Successes in Peer-to-Peer Lending?","publication_year":2020,"publication_date":"2020-04-26","ids":{"openalex":"https://openalex.org/W3017467509","doi":"https://doi.org/10.1007/s10796-020-10006-7","mag":"3017467509"},"language":"en","primary_location":{"id":"doi:10.1007/s10796-020-10006-7","is_oa":false,"landing_page_url":"https://doi.org/10.1007/s10796-020-10006-7","pdf_url":null,"source":{"id":"https://openalex.org/S181659395","display_name":"Information Systems Frontiers","issn_l":"1387-3326","issn":["1387-3326","1572-9419"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319900","host_organization_name":"Springer Science+Business Media","host_organization_lineage":["https://openalex.org/P4310319900","https://openalex.org/P4310319965"],"host_organization_lineage_names":["Springer Science+Business Media","Springer Nature"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Information Systems Frontiers","raw_type":"journal-article"},"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/A5100336667","display_name":"Qun Chen","orcid":"https://orcid.org/0000-0001-9556-755X"},"institutions":[{"id":"https://openalex.org/I2801919588","display_name":"Shanghai Library","ror":"https://ror.org/022d5rd48","country_code":"CN","type":"archive","lineage":["https://openalex.org/I2801919588"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Qun Chen","raw_affiliation_strings":["Department of Culture Management, Shanghai Publishing and Printing College, Shanghai, 200093, People\u2019s Republic of China","Department of Culture Management, Shanghai Publishing and Printing College, Shanghai, 200093, People's Republic of China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Culture Management, Shanghai Publishing and Printing College, Shanghai, 200093, People\u2019s Republic of China","institution_ids":["https://openalex.org/I2801919588"]},{"raw_affiliation_string":"Department of Culture Management, Shanghai Publishing and Printing College, Shanghai, 200093, People's Republic of China","institution_ids":["https://openalex.org/I2801919588"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5101397202","display_name":"Jiwen Li","orcid":"https://orcid.org/0000-0002-8215-1587"},"institutions":[{"id":"https://openalex.org/I194450716","display_name":"Jilin University","ror":"https://ror.org/00js3aw79","country_code":"CN","type":"education","lineage":["https://openalex.org/I194450716"]},{"id":"https://openalex.org/I49232843","display_name":"Changchun University","ror":"https://ror.org/02an57k10","country_code":"CN","type":"education","lineage":["https://openalex.org/I49232843"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Ji-Wen Li","raw_affiliation_strings":["School of Management, Jilin University, Changchun, 1320022, People\u2019s Republic of China","School of Management, Jilin University, Changchun, 1320022, People's Republic of China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Management, Jilin University, Changchun, 1320022, People\u2019s Republic of China","institution_ids":["https://openalex.org/I194450716","https://openalex.org/I49232843"]},{"raw_affiliation_string":"School of Management, Jilin University, Changchun, 1320022, People's Republic of China","institution_ids":["https://openalex.org/I194450716"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5100333047","display_name":"Jian-Guo Liu","orcid":"https://orcid.org/0000-0002-5641-0266"},"institutions":[{"id":"https://openalex.org/I146613903","display_name":"Shanghai Lixin University of Accounting and Finance","ror":"https://ror.org/02g81yf77","country_code":"CN","type":"education","lineage":["https://openalex.org/I146613903"]},{"id":"https://openalex.org/I181679659","display_name":"Shanghai University of Finance and Economics","ror":"https://ror.org/00wtvfq62","country_code":"CN","type":"education","lineage":["https://openalex.org/I181679659"]}],"countries":["CN"],"is_corresponding":true,"raw_author_name":"Jian-Guo Liu","raw_affiliation_strings":["Institute of Fintech, Shanghai University of Finance and Economics, Room 825, Lab Building, No. 777 Guoding Street, Shanghai, People\u2019s Republic of China","School of Accountancy and Institute of Accounting and Finance, Shanghai University of Finance and Economics, Room 824, Lab. Building, No. 777 Guoding Street, Shanghai, People\u2019s Republic of China","School of Accountancy and Institute of Accounting and Finance, Shanghai University of Finance and Economics, Room 824, Lab. Building, No. 777 Guoding Street, Shanghai, People's Republic of China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Institute of Fintech, Shanghai University of Finance and Economics, Room 825, Lab Building, No. 777 Guoding Street, Shanghai, People\u2019s Republic of China","institution_ids":["https://openalex.org/I181679659"]},{"raw_affiliation_string":"School of Accountancy and Institute of Accounting and Finance, Shanghai University of Finance and Economics, Room 824, Lab. Building, No. 777 Guoding Street, Shanghai, People\u2019s Republic of China","institution_ids":["https://openalex.org/I146613903","https://openalex.org/I181679659"]},{"raw_affiliation_string":"School of Accountancy and Institute of Accounting and Finance, Shanghai University of Finance and Economics, Room 824, Lab. Building, No. 777 Guoding Street, Shanghai, People's Republic of China","institution_ids":["https://openalex.org/I181679659"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5101857312","display_name":"Jingti Han","orcid":null},"institutions":[{"id":"https://openalex.org/I181679659","display_name":"Shanghai University of Finance and Economics","ror":"https://ror.org/00wtvfq62","country_code":"CN","type":"education","lineage":["https://openalex.org/I181679659"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Jing-Ti Han","raw_affiliation_strings":["Institute of Fintech, Shanghai University of Finance and Economics, Room 825, Lab Building, No. 777 Guoding Street, Shanghai, People\u2019s Republic of China","School of Information Management and Engineering, Shanghai University of Finance and Economics, Shanghai, 200433, People\u2019s Republic of China","Institute of Fintech, Shanghai University of Finance and Economics, Room 825, Lab Building, No. 777 Guoding Street, Shanghai, People's Republic of China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Institute of Fintech, Shanghai University of Finance and Economics, Room 825, Lab Building, No. 777 Guoding Street, Shanghai, People\u2019s Republic of China","institution_ids":["https://openalex.org/I181679659"]},{"raw_affiliation_string":"School of Information Management and Engineering, Shanghai University of Finance and Economics, Shanghai, 200433, People\u2019s Republic of China","institution_ids":["https://openalex.org/I181679659"]},{"raw_affiliation_string":"Institute of Fintech, Shanghai University of Finance and Economics, Room 825, Lab Building, No. 777 Guoding Street, Shanghai, People's Republic of China","institution_ids":["https://openalex.org/I181679659"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5011290120","display_name":"Yun Shi","orcid":"https://orcid.org/0000-0001-7370-0663"},"institutions":[{"id":"https://openalex.org/I181679659","display_name":"Shanghai University of Finance and Economics","ror":"https://ror.org/00wtvfq62","country_code":"CN","type":"education","lineage":["https://openalex.org/I181679659"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Yun Shi","raw_affiliation_strings":["School of Information Management and Engineering, Shanghai University of Finance and Economics, Shanghai, 200433, People\u2019s Republic of China","School of Information Management and Engineering, Shanghai University of Finance and Economics, Shanghai, 200433, People's Republic of China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Information Management and Engineering, Shanghai University of Finance and Economics, Shanghai, 200433, People\u2019s Republic of China","institution_ids":["https://openalex.org/I181679659"]},{"raw_affiliation_string":"School of Information Management and Engineering, Shanghai University of Finance and Economics, Shanghai, 200433, People's Republic of China","institution_ids":["https://openalex.org/I181679659"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5028893199","display_name":"Xunhua Guo","orcid":"https://orcid.org/0000-0002-7243-4292"},"institutions":[{"id":"https://openalex.org/I99065089","display_name":"Tsinghua University","ror":"https://ror.org/03cve4549","country_code":"CN","type":"education","lineage":["https://openalex.org/I99065089"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Xun-Hua Guo","raw_affiliation_strings":["School of Economics and Management, Tsinghua University, Beijing, 100084, People\u2019s Republic of China","School of Economics and Management, Tsinghua University, Beijing, 100084, People's Republic of China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Economics and Management, Tsinghua University, Beijing, 100084, People\u2019s Republic of China","institution_ids":["https://openalex.org/I99065089"]},{"raw_affiliation_string":"School of Economics and Management, Tsinghua University, Beijing, 100084, People's Republic of China","institution_ids":["https://openalex.org/I99065089"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":6,"corresponding_author_ids":["https://openalex.org/A5100333047"],"corresponding_institution_ids":["https://openalex.org/I146613903","https://openalex.org/I181679659"],"apc_list":{"value":2290,"currency":"EUR","value_usd":2890},"apc_paid":null,"fwci":1.6288,"has_fulltext":false,"cited_by_count":13,"citation_normalized_percentile":{"value":0.85040113,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":89,"max":98},"biblio":{"volume":"23","issue":"4","first_page":"963","last_page":"986"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":1.0,"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":1.0,"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/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9988999962806702,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"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/T11903","display_name":"Private Equity and Venture Capital","score":0.9883999824523926,"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/loan","display_name":"Loan","score":0.65416020154953},{"id":"https://openalex.org/keywords/outcome","display_name":"Outcome (game theory)","score":0.6283029317855835},{"id":"https://openalex.org/keywords/variety","display_name":"Variety (cybernetics)","score":0.5681834816932678},{"id":"https://openalex.org/keywords/process","display_name":"Process (computing)","score":0.5088089108467102},{"id":"https://openalex.org/keywords/organizational-learning","display_name":"Organizational learning","score":0.45613059401512146},{"id":"https://openalex.org/keywords/sample","display_name":"Sample (material)","score":0.4234198331832886},{"id":"https://openalex.org/keywords/social-learning","display_name":"Social learning","score":0.41286370158195496},{"id":"https://openalex.org/keywords/psychology","display_name":"Psychology","score":0.402606338262558},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.4018315374851227},{"id":"https://openalex.org/keywords/knowledge-management","display_name":"Knowledge management","score":0.35628917813301086},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.21010759472846985},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.14163771271705627},{"id":"https://openalex.org/keywords/microeconomics","display_name":"Microeconomics","score":0.13511711359024048},{"id":"https://openalex.org/keywords/economics","display_name":"Economics","score":0.11450788378715515},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.09949034452438354}],"concepts":[{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.65416020154953},{"id":"https://openalex.org/C148220186","wikidata":"https://www.wikidata.org/wiki/Q7111912","display_name":"Outcome (game theory)","level":2,"score":0.6283029317855835},{"id":"https://openalex.org/C136197465","wikidata":"https://www.wikidata.org/wiki/Q1729295","display_name":"Variety (cybernetics)","level":2,"score":0.5681834816932678},{"id":"https://openalex.org/C98045186","wikidata":"https://www.wikidata.org/wiki/Q205663","display_name":"Process (computing)","level":2,"score":0.5088089108467102},{"id":"https://openalex.org/C169735623","wikidata":"https://www.wikidata.org/wiki/Q1430172","display_name":"Organizational learning","level":2,"score":0.45613059401512146},{"id":"https://openalex.org/C198531522","wikidata":"https://www.wikidata.org/wiki/Q485146","display_name":"Sample (material)","level":2,"score":0.4234198331832886},{"id":"https://openalex.org/C79416737","wikidata":"https://www.wikidata.org/wiki/Q2305519","display_name":"Social learning","level":2,"score":0.41286370158195496},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.402606338262558},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.4018315374851227},{"id":"https://openalex.org/C56739046","wikidata":"https://www.wikidata.org/wiki/Q192060","display_name":"Knowledge management","level":1,"score":0.35628917813301086},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.21010759472846985},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.14163771271705627},{"id":"https://openalex.org/C175444787","wikidata":"https://www.wikidata.org/wiki/Q39072","display_name":"Microeconomics","level":1,"score":0.13511711359024048},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.11450788378715515},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.09949034452438354},{"id":"https://openalex.org/C185592680","wikidata":"https://www.wikidata.org/wiki/Q2329","display_name":"Chemistry","level":0,"score":0.0},{"id":"https://openalex.org/C43617362","wikidata":"https://www.wikidata.org/wiki/Q170050","display_name":"Chromatography","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}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1007/s10796-020-10006-7","is_oa":false,"landing_page_url":"https://doi.org/10.1007/s10796-020-10006-7","pdf_url":null,"source":{"id":"https://openalex.org/S181659395","display_name":"Information Systems Frontiers","issn_l":"1387-3326","issn":["1387-3326","1572-9419"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319900","host_organization_name":"Springer Science+Business Media","host_organization_lineage":["https://openalex.org/P4310319900","https://openalex.org/P4310319965"],"host_organization_lineage_names":["Springer Science+Business Media","Springer Nature"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Information Systems Frontiers","raw_type":"journal-article"},{"id":"pmh:oai:RePEc:spr:infosf:v:23:y:2021:i:4:d:10.1007_s10796-020-10006-7","is_oa":false,"landing_page_url":"http://link.springer.com/10.1007/s10796-020-10006-7","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"}],"best_oa_location":null,"sustainable_development_goals":[{"display_name":"Decent work and economic growth","score":0.49000000953674316,"id":"https://metadata.un.org/sdg/8"}],"awards":[{"id":"https://openalex.org/G2465367718","display_name":"\u5728\u7ebf\u793e\u4f1a\u7f51\u7edc\u7528\u6237\u58f0\u8a89\u7684\u8d85\u7f51\u7edc\u5206\u6790\u7406\u8bba\u4e0e\u65b9\u6cd5\u7814\u7a76","funder_award_id":"71771152","funder_id":"https://openalex.org/F4320321001","funder_display_name":"National Natural Science Foundation of China"},{"id":"https://openalex.org/G3709449743","display_name":null,"funder_award_id":"61773248","funder_id":"https://openalex.org/F4320321001","funder_display_name":"National Natural Science Foundation of China"}],"funders":[{"id":"https://openalex.org/F4320321001","display_name":"National Natural Science Foundation of China","ror":"https://ror.org/01h0zpd94"}],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":76,"referenced_works":["https://openalex.org/W602746817","https://openalex.org/W851150576","https://openalex.org/W1551381317","https://openalex.org/W1836875240","https://openalex.org/W1970017934","https://openalex.org/W1971886226","https://openalex.org/W1977270613","https://openalex.org/W1979873781","https://openalex.org/W1980573833","https://openalex.org/W1986936900","https://openalex.org/W1992751099","https://openalex.org/W1993023795","https://openalex.org/W1997466229","https://openalex.org/W2001884806","https://openalex.org/W2002396782","https://openalex.org/W2004168223","https://openalex.org/W2018188846","https://openalex.org/W2025299649","https://openalex.org/W2026371044","https://openalex.org/W2036976383","https://openalex.org/W2056528415","https://openalex.org/W2064356149","https://openalex.org/W2073806890","https://openalex.org/W2081843017","https://openalex.org/W2082503759","https://openalex.org/W2092718852","https://openalex.org/W2097791328","https://openalex.org/W2118106294","https://openalex.org/W2136732403","https://openalex.org/W2138992438","https://openalex.org/W2142099443","https://openalex.org/W2157537140","https://openalex.org/W2163092979","https://openalex.org/W2167161877","https://openalex.org/W2169718705","https://openalex.org/W2171670511","https://openalex.org/W2178230953","https://openalex.org/W2195817414","https://openalex.org/W2215139283","https://openalex.org/W2223047211","https://openalex.org/W2253600132","https://openalex.org/W2317095064","https://openalex.org/W2463059121","https://openalex.org/W2483015397","https://openalex.org/W2564744000","https://openalex.org/W2602433217","https://openalex.org/W2606678088","https://openalex.org/W2619329732","https://openalex.org/W2747436277","https://openalex.org/W2753336361","https://openalex.org/W2758634436","https://openalex.org/W2765244378","https://openalex.org/W2767123693","https://openalex.org/W2769552991","https://openalex.org/W2773521745","https://openalex.org/W2774897754","https://openalex.org/W2785003168","https://openalex.org/W2790049070","https://openalex.org/W2790814261","https://openalex.org/W2888096185","https://openalex.org/W2895142658","https://openalex.org/W2897443445","https://openalex.org/W2970172374","https://openalex.org/W3015634246","https://openalex.org/W3121141377","https://openalex.org/W3122219389","https://openalex.org/W3122992687","https://openalex.org/W3123600419","https://openalex.org/W3124141057","https://openalex.org/W3124171143","https://openalex.org/W3124284538","https://openalex.org/W3141411658","https://openalex.org/W3207742429","https://openalex.org/W4242887645","https://openalex.org/W6844082943","https://openalex.org/W7030239333"],"related_works":["https://openalex.org/W2978999882","https://openalex.org/W2032233321","https://openalex.org/W3121970507","https://openalex.org/W2110028391","https://openalex.org/W54497855","https://openalex.org/W217960748","https://openalex.org/W3125814499","https://openalex.org/W2090827041","https://openalex.org/W2565703248","https://openalex.org/W187246281"],"abstract_inverted_index":null,"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":1},{"year":2024,"cited_by_count":4},{"year":2023,"cited_by_count":3},{"year":2022,"cited_by_count":1},{"year":2021,"cited_by_count":3}],"updated_date":"2026-07-22T07:51:19.307946","created_date":"2025-10-10T00:00:00"}
