{"id":"https://openalex.org/W4405878092","doi":"https://doi.org/10.1145/3659154.3659188","title":"A Blockchain-based Decentralized Peer-to-Peer Lending Framework for SMEs","display_name":"A Blockchain-based Decentralized Peer-to-Peer Lending Framework for SMEs","publication_year":2023,"publication_date":"2023-12-14","ids":{"openalex":"https://openalex.org/W4405878092","doi":"https://doi.org/10.1145/3659154.3659188"},"language":"en","primary_location":{"id":"doi:10.1145/3659154.3659188","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3659154.3659188","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 2023 International Conference on Intelligent Computing and Its Emerging Applications","raw_type":"proceedings-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/A5101410267","display_name":"Deepak Kumar","orcid":"https://orcid.org/0000-0001-5674-8358"},"institutions":[{"id":"https://openalex.org/I196829312","display_name":"La Trobe University","ror":"https://ror.org/01rxfrp27","country_code":"AU","type":"education","lineage":["https://openalex.org/I196829312"]},{"id":"https://openalex.org/I94234084","display_name":"Indian Institute of Technology Kanpur","ror":"https://ror.org/05pjsgx75","country_code":"IN","type":"education","lineage":["https://openalex.org/I94234084"]}],"countries":["AU","IN"],"is_corresponding":false,"raw_author_name":"Deepak Kumar","raw_affiliation_strings":["Department of Computer Science and Information Technology, Latrobe University, Melbourne, Australia","Department of Management Sciences, Indian Institute of Technology Kanpur, Kanpur, Uttar Pradesh, India"],"raw_orcid":"https://orcid.org/0000-0001-5674-8358","affiliations":[{"raw_affiliation_string":"Department of Computer Science and Information Technology, Latrobe University, Melbourne, Australia","institution_ids":["https://openalex.org/I196829312"]},{"raw_affiliation_string":"Department of Management Sciences, Indian Institute of Technology Kanpur, Kanpur, Uttar Pradesh, India","institution_ids":["https://openalex.org/I94234084"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5026331143","display_name":"B.V. Phani","orcid":null},"institutions":[{"id":"https://openalex.org/I94234084","display_name":"Indian Institute of Technology Kanpur","ror":"https://ror.org/05pjsgx75","country_code":"IN","type":"education","lineage":["https://openalex.org/I94234084"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"B.V. Phani","raw_affiliation_strings":["Department of Management Sciences, Indian Institute of Technology Kanpur, Uttar Pradesh, India"],"raw_orcid":"https://orcid.org/0000-0002-4625-8942","affiliations":[{"raw_affiliation_string":"Department of Management Sciences, Indian Institute of Technology Kanpur, Uttar Pradesh, India","institution_ids":["https://openalex.org/I94234084"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5033056152","display_name":"Naveen Chilamkurti","orcid":"https://orcid.org/0000-0002-5396-8897"},"institutions":[{"id":"https://openalex.org/I196829312","display_name":"La Trobe University","ror":"https://ror.org/01rxfrp27","country_code":"AU","type":"education","lineage":["https://openalex.org/I196829312"]}],"countries":["AU"],"is_corresponding":false,"raw_author_name":"Naveen Chilamkurti","raw_affiliation_strings":["Department of Computer Science and Information Technology, Latrobe University, Melbourne, Australia"],"raw_orcid":"https://orcid.org/0000-0002-5396-8897","affiliations":[{"raw_affiliation_string":"Department of Computer Science and Information Technology, Latrobe University, Melbourne, Australia","institution_ids":["https://openalex.org/I196829312"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5082365432","display_name":"Suman Saurabh","orcid":"https://orcid.org/0000-0001-9939-4115"},"institutions":[{"id":"https://openalex.org/I94234084","display_name":"Indian Institute of Technology Kanpur","ror":"https://ror.org/05pjsgx75","country_code":"IN","type":"education","lineage":["https://openalex.org/I94234084"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Suman Saurabh","raw_affiliation_strings":["Department of Management Sciences, Indian Institute of Technology Kanpur, Uttar Pradesh, India"],"raw_orcid":"https://orcid.org/0000-0001-9939-4115","affiliations":[{"raw_affiliation_string":"Department of Management Sciences, Indian Institute of Technology Kanpur, Uttar Pradesh, India","institution_ids":["https://openalex.org/I94234084"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5069049451","display_name":"Vanessa Ratten","orcid":"https://orcid.org/0000-0002-2534-4550"},"institutions":[{"id":"https://openalex.org/I196829312","display_name":"La Trobe University","ror":"https://ror.org/01rxfrp27","country_code":"AU","type":"education","lineage":["https://openalex.org/I196829312"]}],"countries":["AU"],"is_corresponding":false,"raw_author_name":"Vanessa Ratten","raw_affiliation_strings":["Department of Management and Marketing, Latrobe University, Melbourne, Australia"],"raw_orcid":"https://orcid.org/0000-0002-2534-4550","affiliations":[{"raw_affiliation_string":"Department of Management and Marketing, Latrobe University, Melbourne, Australia","institution_ids":["https://openalex.org/I196829312"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":5,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.9007,"has_fulltext":false,"cited_by_count":3,"citation_normalized_percentile":{"value":0.81178197,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":95,"max":98},"biblio":{"volume":null,"issue":null,"first_page":"130","last_page":"140"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9994000196456909,"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":0.9994000196456909,"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/T10270","display_name":"Blockchain Technology Applications and Security","score":0.9973999857902527,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T11903","display_name":"Private Equity and Venture Capital","score":0.9907000064849854,"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/blockchain","display_name":"Blockchain","score":0.9613772034645081},{"id":"https://openalex.org/keywords/peer-to-peer","display_name":"Peer-to-peer","score":0.7830440998077393},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.61958909034729},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.40397483110427856},{"id":"https://openalex.org/keywords/distributed-computing","display_name":"Distributed computing","score":0.3046336770057678},{"id":"https://openalex.org/keywords/computer-security","display_name":"Computer security","score":0.29309338331222534}],"concepts":[{"id":"https://openalex.org/C2779687700","wikidata":"https://www.wikidata.org/wiki/Q20514253","display_name":"Blockchain","level":2,"score":0.9613772034645081},{"id":"https://openalex.org/C534932454","wikidata":"https://www.wikidata.org/wiki/Q161410","display_name":"Peer-to-peer","level":2,"score":0.7830440998077393},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.61958909034729},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.40397483110427856},{"id":"https://openalex.org/C120314980","wikidata":"https://www.wikidata.org/wiki/Q180634","display_name":"Distributed computing","level":1,"score":0.3046336770057678},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.29309338331222534}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1145/3659154.3659188","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3659154.3659188","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 2023 International Conference on Intelligent Computing and Its Emerging Applications","raw_type":"proceedings-article"}],"best_oa_location":null,"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":14,"referenced_works":["https://openalex.org/W2005294649","https://openalex.org/W2034405794","https://openalex.org/W2338397757","https://openalex.org/W2522004858","https://openalex.org/W2769791059","https://openalex.org/W2885476203","https://openalex.org/W2948902671","https://openalex.org/W2971988020","https://openalex.org/W2984753385","https://openalex.org/W3015789852","https://openalex.org/W3094406747","https://openalex.org/W3116016166","https://openalex.org/W3118299088","https://openalex.org/W4206367181"],"related_works":["https://openalex.org/W4391375266","https://openalex.org/W2899084033","https://openalex.org/W2748952813","https://openalex.org/W4210406818","https://openalex.org/W4306779889","https://openalex.org/W3048554917","https://openalex.org/W2002490650","https://openalex.org/W2322032246","https://openalex.org/W2057688614","https://openalex.org/W2067368164"],"abstract_inverted_index":{"The":[0,117],"International":[1],"Finance":[2],"Corporation":[3],"(IFC)":[4],"estimates":[5],"that":[6],"65":[7],"million":[8],"firms,":[9],"or":[10],"40%":[11],"of":[12,27,38,121,131],"formal":[13],"micro,":[14],"small,":[15],"and":[16,45,61,68,92,111,119,129,138],"medium":[17],"enterprises":[18],"in":[19,50],"developing":[20],"countries,":[21],"have":[22,47],"an":[23],"unmet":[24],"financing":[25],"need":[26],"$5.2":[28],"trillion":[29],"annually,":[30],"equivalent":[31],"to":[32,58,142],"1.4":[33],"times":[34],"the":[35,88,94,105,122,127],"current":[36],"level":[37],"global":[39],"MSME":[40],"lending.":[41],"Current":[42],"lending":[43,80,102,107,123],"institutions":[44],"mechanisms":[46],"proven":[48],"inadequate":[49],"filling":[51],"this":[52,72],"credit":[53],"gap.":[54],"Blockchain":[55],"technology":[56],"promises":[57],"replace":[59],"intermediaries":[60],"enable":[62],"peer-to-peer":[63,79,101],"transactions":[64],"using":[65,84,90,97],"decentralized":[66,78,100],"ledgers":[67],"smart":[69],"contracts.":[70],"In":[71],"study,":[73],"we":[74],"propose":[75],"a":[76],"Blockchain-based":[77,99],"framework":[81],"for":[82,140],"SMEs":[83,141],"Ethereum.":[85],"We":[86],"implement":[87],"solution":[89],"Solidity":[91],"simulate":[93],"Ethereum":[95],"blockchain":[96],"Ganache.":[98],"can":[103,125],"make":[104],"SME":[106,132],"process":[108,124],"more":[109,136],"transparent":[110],"efficient":[112],"by":[113],"ensuring":[114],"information":[115],"transparency.":[116],"decentralization":[118],"automation":[120],"reduce":[126],"time":[128],"cost":[130],"lending,":[133],"making":[134],"it":[135],"accessible":[137],"affordable":[139],"obtain":[143],"credit.":[144]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":2}],"updated_date":"2026-06-11T09:08:48.828518","created_date":"2025-10-10T00:00:00"}
