Peer-to-Peer (P2P) lending emerged over a decade ago and quickly evolved into a global industry. Since then, the P2P lending industry has become more complex, with increasingly diverse types of business models, each involving different risks and challenges. The Article analyzes the current state...

The chapter examines the effects of several macroprudential tools on household choices in the mortgage market. In recent years, following the global financial crisis, central banks have imposed macroprudential policy tools on mortgage loans in order to protect the banking system from systemic...

Housing is the most important asset in the portfolio of most households. Understanding the households' decision on housing finance has important implications from a policy perspective, due to the effects it may have on the housing prices, on the housing market stability and on household welfare....

This research examines the seminal heuristic of anchoring and adjustment and its effects on the mortgage market. In recent years, the Israeli central bank has imposed protective regulation on mortgage loans in order to protect the banking system from systemic risk associated with highly...

Peer-to-Peer lending refers to online marketplaces where lenders lend to individuals or small businesses. This rapidly expanding new source of credit eliminates the traditional intermediary of financial services and reduces financial exclusion by allowing more people to borrow and lend. At the...