Consumers appear to still be sceptical about mobile payment systems. As a result, the theoretical framework proposed as well as evaluated in this study, concentrates on elements that influence customer behaviour towards the digital payment system, fintech and CBDC are accepted. The empirical...

Using Facebook's social network data for the US counties, we examine whether social connectedness reduces the informational disadvantage in lending to small businesses at a distance. We find that for a given distance, there is a pecking order of lending. Banks first lend to more socially...

We investigate the influence of financial and political factors on Peer-to-Peer (P2P) platform failures in the online lending market in China. Using a competing risk model for platform survival, we show that large platforms, platforms having listed firms as large shareholders and platforms with...

With each passing year the peer-to-peer lending becomes more popular. The increased numbers of users and provided loans through the P2P platforms led us to write this paper to clarify what peer-to-peer lending is and what are the benefits and the flaws of using such platforms. Are they just...