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Evolution of the P2P Lending System in FinTech: A Systematic Review of Literature
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Author(s): Renuka Sharma (Chitkara Business School, Chitkara University, India), Kiran Mehta (Chitkara Business School, Chitkara University, India)and Aditya Dhawan (Chitkara Business School, Chitkara University, India)
Copyright: 2023
Pages: 10
Source title:
Revolutionizing Financial Services and Markets Through FinTech and Blockchain
Source Author(s)/Editor(s): Kiran Mehta (Chitkara Business School, Chitkara University, India), Renuka Sharma (Chitkara Business School, Chitkara University, India)and Poshan Yu (Soochow University, China & European Business Institute, Luxembourg & Australian Studies Centre, Shanghai University, China)
DOI: 10.4018/978-1-6684-8624-5.ch013
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Abstract
With the aid of fintech, this study seeks to undertake a systematic review of peer-to-peer lending literature. In this chapter, the authors learn how fintech has aided peer-to-peer lending and how it has facilitated the provision of services like simple credit, the recording of borrower information, etc. Additionally, they examine the development of fintech, and the findings of this study demonstrate that COVID-19 has significantly altered the primary determinants of P2P lending. According to the findings, P2P fintech financing is now the most practical alternative credit option available to borrowers. Because they highlight the value of P2P lending platforms, their potential advantages, and the causes of defaults that do occur, the findings are significant and are likely to be of interest to investors, practitioners, academics, and legislators. The authors also learn about the evolution of the traditional lending system.
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