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The Development of P2P Lending Systems Determined by IT User (Consumer) Needs

Author

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  • Dariusz T. Dziuba

    (Wydzial Nauk Ekonomicznych Uniwersytetu Warszawskiego)

Abstract

The paper presents a model of direct P2P lending systems launched in response to the IT users’ (consumers’) changing needs and determined by the technological progress and the growing role of social media and networking. Based on the methodology proposed by the author, the global P2P lending market segment is estimated and analysed, with a focus on a major subset of Chinese platforms. The size of this segment is measured so as to determine the extent of its influence on the processes of economic development, including in particular job creation. The main benefits and risks of the model are identified, as well as its growth prospects.

Suggested Citation

  • Dariusz T. Dziuba, 2017. "The Development of P2P Lending Systems Determined by IT User (Consumer) Needs," Problemy Zarzadzania, University of Warsaw, Faculty of Management, vol. 15(71), pages 116-126.
    • Handle: RePEc:sgm:pzwzuw:v:15:i:71:y:2017:p:116-126
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    More about this item

    Keywords

    direct P2P lending; lending marketplaces; market implications; social media;
    All these keywords.

    JEL classification:

    • E44 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Financial Markets and the Macroeconomy
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors

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