Are You Ready for Risk? Time Preferences and Risk Attitudes in Peer to Peer Lending Platforms

Ze'ev Shtudiner; Galit Klein; Moti Zwilling

doi:10.2139/ssrn.4068538

Are You Ready for Risk? Time Preferences and Risk Attitudes in Peer to Peer Lending Platforms

Department of Economics and Business Administration

Research output: Working paper › Preprint

Abstract

Despite the booming Fintech industry, Peer-to-Peer (P2P) lending platforms continue to play an insignificant role. This study explores differences in time preferences and risk-attitude between P2P lenders and the general public. The findings indicated that P2P lenders are less risk-averse and have future preferences, indicating that this P2P platform is perceived as a risky instrument.

Original language	English
DOIs	https://doi.org/10.2139/ssrn.4068538
State	Published - 8 Apr 2022

Keywords

Finance Technology
P2P Platform
Time Preference
Risk Aversion.

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10.2139/ssrn.4068538

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abstract = "Despite the booming Fintech industry, Peer-to-Peer (P2P) lending platforms continue to play an insignificant role. This study explores differences in time preferences and risk-attitude between P2P lenders and the general public. The findings indicated that P2P lenders are less risk-averse and have future preferences, indicating that this P2P platform is perceived as a risky instrument.",

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AU - Klein, Galit

AU - Zwilling, Moti

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N2 - Despite the booming Fintech industry, Peer-to-Peer (P2P) lending platforms continue to play an insignificant role. This study explores differences in time preferences and risk-attitude between P2P lenders and the general public. The findings indicated that P2P lenders are less risk-averse and have future preferences, indicating that this P2P platform is perceived as a risky instrument.

AB - Despite the booming Fintech industry, Peer-to-Peer (P2P) lending platforms continue to play an insignificant role. This study explores differences in time preferences and risk-attitude between P2P lenders and the general public. The findings indicated that P2P lenders are less risk-averse and have future preferences, indicating that this P2P platform is perceived as a risky instrument.

KW - Finance Technology

KW - P2P Platform

KW - Time Preference

KW - Risk Aversion.

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DO - 10.2139/ssrn.4068538

M3 - Preprint

BT - Are You Ready for Risk? Time Preferences and Risk Attitudes in Peer to Peer Lending Platforms

ER -

Are You Ready for Risk? Time Preferences and Risk Attitudes in Peer to Peer Lending Platforms

Abstract

Keywords

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