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Peer-to-Peer Lending: Evolution and Trends

In: Digitalization in Finance and Accounting

Author

Listed:
  • Małgorzata Siemionek-Ruskań

    (University of Gdansk, Faculty of Management)

  • Mina Fanea-Ivanovici

    (The Bucharest University of Economic Studies)

Abstract

The paper discusses the recent developments in peer-to-peer lending, which is one of the most innovative online-based financial products. Peer-to-peer lending, also known as lending-based crowdfunding, connects donors, supporters, lenders and investors with individuals or companies in search of funds for specific projects. The paper reviews the relevant literature in the field, presents a brief history of this financing method and discusses the main accounting implications of peer-to-peer lending transactions. The evolution and trends of this type of crowdfunding are then investigated by presenting best practice examples and the specific legislation progress in this matter in Europe.

Suggested Citation

  • Małgorzata Siemionek-Ruskań & Mina Fanea-Ivanovici, 2021. "Peer-to-Peer Lending: Evolution and Trends," Springer Proceedings in Business and Economics, in: David Procházka (ed.), Digitalization in Finance and Accounting, pages 15-23, Springer.
    • Handle: RePEc:spr:prbchp:978-3-030-55277-0_2
    DOI: 10.1007/978-3-030-55277-0_2
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