Lowry, Paul Benjamin; Xiao, Junji; Yuan, Jia - 2023
observational learning; (2) we investigate the moderating effect of borrower credit and novice-lender experience on herding, and we … potential lenders with a transparent credit score—in contrast to platforms like Prosper.com, which leverage hidden proprietary … credit information from Experian—we further analyze the credit composition of prominent lenders to better understand the …