Rozwój systemów pożyczek społecznościowych, determinowany potrzebami użytkownika IT (konsumenta)
The Development of P2P Lending Systems Determined by IT User (Consumer) Needs
Author(s): Dariusz T. DziubaSubject(s): Business Economy / Management, Sociology, ICT Information and Communications Technologies
Published by: Wydawnictwo Naukowe Wydziału Zarządzania Uniwersytetu Warszawskiego
Keywords: direct P2P lending; lending marketplaces; market implications; social media
Summary/Abstract: The paper presents a model of direct P2P lending systems launched in response to the IT users’(consumers’) changing needs and determined by the technological progress and the growing role ofsocial media and networking. Based on the methodology proposed by the author, the global P2P lendingmarket segment is estimated and analysed, with a focus on a major subset of Chinese platforms. Thesize of this segment is measured so as to determine the extent of its influence on the processes ofeconomic development, including in particular job creation. The main benefits and risks of the modelare identified, as well as its growth prospects.
Journal: Problemy Zarządzania
- Issue Year: 15/2017
- Issue No: 4 (71)
- Page Range: 116-126
- Page Count: 11
- Language: English, Polish