Does information seeking moderate the relationship between financial loan inclusion and Fintech P2P lending?

被引：0

作者：

Brahmana, Rayenda Khresna ^{[1
]}

Kontesa, Maria ^{[2
]}

Yau, Josephine Tan-Hwang ^{[3
]}

机构：

[1] Coventry Univ, Sch Econ Finance & Accounting, Coventry CV1 5DL, W Midlands, England

[2] Univ Widya Dharma Pontianak, Fac Econ & Business, Pontianak, Indonesia

[3] Univ Malaysia Sarawak, Fac Econ & Business, Kota Samarahan 94300, Malaysia

来源：

JOURNAL OF FINANCIAL SERVICES MARKETING | 2024年 / 29卷 / 01期

关键词：

Financial inclusion; Information searching; Fintech; P2P lending; SELF-EFFICACY; PEER;

D O I：

10.1057/s41264-022-00192-7

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

This research aims to investigate the moderating effect of information-seeking on the positive relationship between loan inclusion and Fintech P2P lending. It exploits how information-seeking plays an important role in the Fintech P2P loan decision. Unlike previous studies, we use primary data from 281 Fintech P2P borrowers to test the hypotheses. We use robust OLS regression and two-stage least square to estimate our model, and reveal three essential findings. First, loan inclusive (the individuals with traditional loan access) has lower Fintech P2P credit than the loan exclusive (those without traditional loan access). Second, information-seeking behavior would lower the Fintech P2P credit ratio. Lastly, information-seeking significantly moderates the relationship between loan inclusion and loans from Fintech P2P lending. It implies that those loan-exclusive individuals would have less Fintech P2P credit if they have high information-seeking.

引用

页码：171 / 185

页数：15

共 50 条

[31] Evaluation of Mobile Application in User's Perspective: Case of P2P Lending Apps in FinTech Industry
Lee, Sangmin
KSII TRANSACTIONS ON INTERNET AND INFORMATION SYSTEMS, 2017, 11 (02): : 1105 - 1117
[32] Adverse Selection in P2P Lending: Does Peer Screening Work Efficiently?-Empirical Evidence from a P2P Platform
Wang, Yao
Drabek, Zdenek
INTERNATIONAL JOURNAL OF FINANCIAL STUDIES, 2021, 9 (04):
[33] Industry 4.0-based enterprise information system for P2P lending
Musti, K. S. Sastry
Baporikar, Neeta
JOURNAL OF SCIENCE AND TECHNOLOGY POLICY MANAGEMENT, 2023, 14 (01) : 6 - 24
[34] Borrower-lender Information Fusion for P2P Lending: A nonparametric approach
Guo Y.
Jiang S.
Chen F.
Li Y.
Luo C.
Ingenierie des Systemes d'Information, 2019, 24 (03): : 269 - 279
[35] Loan evaluation in P2P lending based on Random Forest optimized by genetic algorithm with profit score
Ye, Xin
Dong, Lu-an
Ma, Da
ELECTRONIC COMMERCE RESEARCH AND APPLICATIONS, 2018, 32 : 23 - 36
[36] Discussion on the Risk and Supervision Path of Internet Financial P2P Network Loan Model
He, Dielin
PROCEEDINGS OF THE 2017 3RD INTERNATIONAL CONFERENCE ON ECONOMICS, SOCIAL SCIENCE, ARTS, EDUCATION AND MANAGEMENT ENGINEERING (ESSAEME 2017), 2017, 119 : 383 - 387
[37] Understanding the implications of FinTech Peer-to-Peer (P2P) lending during the COVID-19 pandemic
Najaf, Khakan
Subramaniam, Ravichandran K.
Atayah, Osama F.
JOURNAL OF SUSTAINABLE FINANCE & INVESTMENT, 2022, 12 (01) : 87 - 102
[38] The effect of data analytics quality on fintech P2P lending sustainability through operational performance as an intervening variable
Syofyan, Efrizal
Putra, Rino Dwi
Mauludina, Muhammad Alam
Chaniago, Vitra Yozi
Junaidi
DECISION SCIENCE LETTERS, 2025, 14 (01) : 155 - 162
[39] Using machine learning to investigate the determinants of loan default in P2P lending: Are there differences between before and during COVID-19?
Xu, Qi
Liu, Caixia
Luo, Jing
Liu, Feng
PACIFIC-BASIN FINANCE JOURNAL, 2024, 88
[40] How does P2P lending platform reputation affect lenders' decision in China?
Shi, Xiaokun
Wu, Junjie
Hollingsworth, Jane
INTERNATIONAL JOURNAL OF BANK MARKETING, 2019, 37 (07) : 1566 - 1589

← 1 2 3 4 5 →