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

Ze'ev Shtudiner, Galit Klein, Moti Zwilling

כלכלה ומנהל עסקים

פרסום מחקרי: נייר עבודה / גרסה מוקדמת › גרסה מוקדמת

תקציר

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.

שפה מקורית	אנגלית אמריקאית
מזהי עצם דיגיטלי (DOIs)	https://doi.org/10.2139/ssrn.4068538
סטטוס פרסום	פורסם - 8 אפר׳ 2022

גישה למסמך

10.2139/ssrn.4068538

פורמט ציטוט ביבליוגרפי

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title = "Are You Ready for Risk? Time Preferences and Risk Attitudes in Peer to Peer Lending Platforms",

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.",

keywords = "Finance Technology, P2P Platform, Time Preference, Risk Aversion.",

author = "Ze'ev Shtudiner and Galit Klein and Moti Zwilling",

year = "2022",

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T1 - Are You Ready for Risk? Time Preferences and Risk Attitudes in Peer to Peer Lending Platforms

AU - Shtudiner, Ze'ev

AU - Klein, Galit

AU - Zwilling, Moti

PY - 2022/4/8

Y1 - 2022/4/8

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.

U2 - 10.2139/ssrn.4068538

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

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