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In the peer-to-peer (P2P) lending market, lenders lend the money to the borrowers through a virtual platform and earn the possible profit generated by the interest rate. From the perspective of lenders, they want to maximize the profit…
Peer-to-Peer (P2P) networks provide a significant solution for file sharing among peers connected to Internet. It is fast and completely decentralised system with robustness. But due to absence of a server documents on a P2P network are not…
Motivated by recent applications of sequential decision making in matching markets, in this paper we attempt at formulating and abstracting market designs for P2P lending. We describe a paradigm to set the stage for how peer to peer…
Peer-to-peer (P2P) lending is a fast growing financial technology (FinTech) trend that is displacing traditional retail banking. Studies on P2P lending have focused on predicting individual interest rates or default probabilities. However,…
Peer to peer (P2P) networks are an overlay on IP network of the internet and they can shape the future of computing by their involvement in distributed systems with the increased of use of low priced personal computers to form big clusters…
Peer-to-peer (P2P) lending platforms have grown rapidly over the past decade as the network infrastructure has improved and the demand for personal lending has grown. Such platforms allow users to create peer-to-peer lending relationships…
To design peer-to-peer (P2P) software systems is a challenging task, because of their highly decentralized nature, which may cause unexpected emergent global behaviors. The last fifteen years have seen many P2P applications to come out and…
Cryptocurrency lending pools are services that allow lenders to pool together assets in one cryptocurrency and loan it out to borrowers who provide collateral worth more (than the loan) in a separate cryptocurrency. Borrowers can repay…
There has been an increased need for secondary means of credit evaluation by both traditional banking organizations as well as peer-to-peer lending entities. This is especially important in the present technological era where sticking with…
Simulators are the most dominant and eminent tool for analyzing and investigating different type of networks. The simulations can be executed with less cost as compared to large scale experiment as less computational resources are required…
Online lending, a phenomenon which is becoming mainstream due to the migration of consumer finance to the Internet and the adoption of AI based lending models, is an example of learning by doing. This paper studies optimal policies for a…
Collaborative filtering is one of the most used approaches for providing recommendations in various online environments. Even though collaborative recommendation methods have been widely utilized due to their simplicity and ease of use,…
We analyze how retail investors price the credit risk of online P"P consumer loans in a reverse auction framework where personal interaction is absent. The explained interest rate variance is considerably larger than in comparable studies…
In the peer to peer (P2P) lending platform, investors hope to maximize their return while minimizing the risk through a comprehensive understanding of the P2P market. A low and stable average default rate across all the borrowers denotes a…
P2P lending presents as an innovative and flexible alternative for conventional lending institutions like banks, where lenders and borrowers directly make transactions and benefit each other without complicated verifications. However, due…
Peer-to-peer (P2P) energy systems have recently emerged as a promising approach for integrating renewable and distributed energy resources into energy grids to reduce carbon emissions. However, market-clearing energy price and amounts,…
Recommender systems are crucial tools to overcome the information overload brought about by the Internet. Rigorous tests are needed to establish to what extent sophisticated methods can improve the quality of the predictions. Here we…
This paper proposes a two-stage scoring approach to help lenders decide their fund allocations in the peer-to-peer (P2P) lending market. The existing scoring approaches focus on only either probability of default (PD) prediction, known as…
This research investigated the potential for improving Peer-to-Peer (P2P) credit scoring by using "private information" about communications and travels of borrowers. We found that P2P borrowers' ego networks exhibit scale-free behavior…
Peer-to-peer ridesharing (P2P-RS) enables people to arrange one-time rides with their own private cars, without the involvement of professional drivers. It is a prominent collective intelligence application producing significant benefits…