Default or profit scoring credit systems? Evidence from European and US peer-to-peer lending markets

Default or profit scoring credit systems? Evidence from European and US peer-to-peer lending markets

Abstract For the emerging peer-to-peer (P2P) lending markets to survive, they need to employ credit-risk management practices such that an investor base is profitable in the long run. Traditionally, credit-risk management relies on credit scoring that predicts loans’ probability of default. In this...

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Bibliographic Details
Main Authors: Štefan Lyócsa, Petra Vašaničová, Branka Hadji Misheva, Marko Dávid Vateha
Format: Article
Language:English
Published: SpringerOpen 2022-04-01
Series:Financial Innovation
Subjects:
Profit scoring
Credit scoring
Financial intermediation
P2P
Fintech
Online Access:https://doi.org/10.1186/s40854-022-00338-5

Internet

https://doi.org/10.1186/s40854-022-00338-5

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