Reni Endang Sulastri|Marijn Janssen
Challenges in designing an inclusive Peer-to-peer (P2P) lending system
Delft University of Technology|Delft University of Technology
literature suggests advantages peertopeer p2p lending systems conventional banking credit better credit scoring direct interaction lendersborrowers fintech p2p lending companies process scattered individual information using advanced statistical methods serve unreached market segments improving inclusiveness society establishing inclusive p2p lending systems remains challenging however systematic overview design challenges failure designing inclusive system creates system remains exclusive parts society hinders increasing economic transactions even continuing business usual due limited funds research aims identify challenges designing p2p lending systems block inclusiveness society conducted systematic literature review followed semistructured interviews financial inclusions p2p lending systems experts review found variety challenges designing inclusive p2p lending systems classify challenges six categories main challenges related trust systems literacy data issues