In recent years, lending-based crowdfunding (LBCF) has been analysed from different perspectives but there has been little discussion about the strategies and business models adopted by LBCF companies. The aim of this study is to define a more correct classification of LBCF companies, based on...

Purpose: The purpose of this paper is to highlight opportunities for the banking sector arising from the population’s aging and the expected reduction in pension incomes. Home equity conversion (HEC) instruments are a potentially useful way of restoring households’ finances and satisfying...

Purpose: A network of partners helps and assists a crowdfunding platform (CFP) in scouting, assessing and selecting projects. This cooperation increases the number of successful projects by attracting a sizable number of investors, proponents and attracting marginal investors when a campaign...

Equity crowdfunding is an emerging financing tool that can help social start-ups and firms to collect people and resources around a project. This paper focuses on equity crowdfunding. We look at this as a complementary financing channel useful for promoting innovation and social change by...

Since small and medium-sized enterprises and innovative start-ups always face greater difficulties in obtaining capital from traditional sources of finance, the development of alternative funding tools such as equity crowdfunding has helped them to bridge their financing gap. The purpose of this...

Purpose – Consumer credit as a proportion of household debt has grown considerably during the last 20 years across many developed countries. A fairly extensive literature from the field of empirical psychology has provided evidence that personality factors and attitudes may influence...

Purpose – Consumer credit as a proportion of household debt has grown considerably during the last 20 years across many developed countries. A fairly extensive literature from the field of empirical psychology has provided evidence that personality factors and attitudes may influence...