How signaling and search costs affect information asymmetry in P2P lending : the economics of big data

In the past decade, online Peer-to-Peer (P2P) lending platforms have transformed the lending industry, which has been historically dominated by commercial banks. Information technology breakthroughs such as big data-based financial technologies (Fintech) have been identified as important disruptive...
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Gespeichert in:

Autor*in:	Yan, Jiaqi [verfasserIn] Yu, Wayne [verfasserIn] Zhao, J. Leon [verfasserIn]

Format:	E-Artikel
Sprache:	Englisch

Erschienen:	2015

Übergeordnetes Werk:	Enthalten in: Financial innovation - Heidelberg : SpringerOpen, 2015, 1(2015), 19 vom: Dez., Seite 1-11
Übergeordnetes Werk:	volume:1 ; year:2015 ; number:19 ; month:12 ; pages:1-11

Links:	Volltext Volltext

DOI / URN:	10.1186/s40854-015-0018-1

Katalog-ID:	86986159X

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allfields	10.1186/s40854-015-0018-1 doi 10419/176410 hdl (DE-627)86986159X (DE-599)GBV86986159X (DE-He213)s40854-015-0018-1-e DE-627 ger DE-627 rda eng Yan, Jiaqi verfasserin (DE-588)1116287706 (DE-627)870233777 (DE-576)478242204 aut How signaling and search costs affect information asymmetry in P2P lending the economics of big data Jiaqi Yan, Wayne Yu and J. Leon Zhao 2015 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier In the past decade, online Peer-to-Peer (P2P) lending platforms have transformed the lending industry, which has been historically dominated by commercial banks. Information technology breakthroughs such as big data-based financial technologies (Fintech) have been identified as important disruptive driving forces for this paradigm shift. In this paper, we take an information economics perspective to investigate how big data affects the transformation of the lending industry. By identifying how signaling and search costs are reduced by big data analytics for credit risk management of P2P lending, we discuss how information asymmetry is reduced in the big data era. Rooted in the lending business, we propose a theory on the economics of big data and outline a number of research opportunities and challenging issues. Yu, Wayne verfasserin aut Zhao, J. Leon verfasserin aut Enthalten in Financial innovation Heidelberg : SpringerOpen, 2015 1(2015), 19 vom: Dez., Seite 1-11 Online-Ressource (DE-627)827572417 (DE-600)2824759-0 (DE-576)433887745 2199-4730 nnns volume:1 year:2015 number:19 month:12 pages:1-11 http://hdl.handle.net/10419/176410 Resolving-System kostenfrei Volltext http://dx.doi.org/10.1186/s40854-015-0018-1 Resolving-System Volltext GBV_USEFLAG_U GBV_ILN_26 ISIL_DE-206 SYSFLAG_1 GBV_KXP GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_161 GBV_ILN_170 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_602 GBV_ILN_2014 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 AR 1 2015 19 12 1-11 26 01 0206 1640007628 x1k 10-10-16 26 00 DE-206 56 Lending industry 26 00 DE-206 56 P2P lending 26 00 DE-206 56 Big data 26 00 DE-206 56 Economics of big data 26 00 DE-206 56 Fintech 26 00 DE-206 56 Information economics
spelling	10.1186/s40854-015-0018-1 doi 10419/176410 hdl (DE-627)86986159X (DE-599)GBV86986159X (DE-He213)s40854-015-0018-1-e DE-627 ger DE-627 rda eng Yan, Jiaqi verfasserin (DE-588)1116287706 (DE-627)870233777 (DE-576)478242204 aut How signaling and search costs affect information asymmetry in P2P lending the economics of big data Jiaqi Yan, Wayne Yu and J. Leon Zhao 2015 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier In the past decade, online Peer-to-Peer (P2P) lending platforms have transformed the lending industry, which has been historically dominated by commercial banks. Information technology breakthroughs such as big data-based financial technologies (Fintech) have been identified as important disruptive driving forces for this paradigm shift. In this paper, we take an information economics perspective to investigate how big data affects the transformation of the lending industry. By identifying how signaling and search costs are reduced by big data analytics for credit risk management of P2P lending, we discuss how information asymmetry is reduced in the big data era. Rooted in the lending business, we propose a theory on the economics of big data and outline a number of research opportunities and challenging issues. Yu, Wayne verfasserin aut Zhao, J. Leon verfasserin aut Enthalten in Financial innovation Heidelberg : SpringerOpen, 2015 1(2015), 19 vom: Dez., Seite 1-11 Online-Ressource (DE-627)827572417 (DE-600)2824759-0 (DE-576)433887745 2199-4730 nnns volume:1 year:2015 number:19 month:12 pages:1-11 http://hdl.handle.net/10419/176410 Resolving-System kostenfrei Volltext http://dx.doi.org/10.1186/s40854-015-0018-1 Resolving-System Volltext GBV_USEFLAG_U GBV_ILN_26 ISIL_DE-206 SYSFLAG_1 GBV_KXP GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_161 GBV_ILN_170 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_602 GBV_ILN_2014 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 AR 1 2015 19 12 1-11 26 01 0206 1640007628 x1k 10-10-16 26 00 DE-206 56 Lending industry 26 00 DE-206 56 P2P lending 26 00 DE-206 56 Big data 26 00 DE-206 56 Economics of big data 26 00 DE-206 56 Fintech 26 00 DE-206 56 Information economics
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allfieldsGer	10.1186/s40854-015-0018-1 doi 10419/176410 hdl (DE-627)86986159X (DE-599)GBV86986159X (DE-He213)s40854-015-0018-1-e DE-627 ger DE-627 rda eng Yan, Jiaqi verfasserin (DE-588)1116287706 (DE-627)870233777 (DE-576)478242204 aut How signaling and search costs affect information asymmetry in P2P lending the economics of big data Jiaqi Yan, Wayne Yu and J. Leon Zhao 2015 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier In the past decade, online Peer-to-Peer (P2P) lending platforms have transformed the lending industry, which has been historically dominated by commercial banks. Information technology breakthroughs such as big data-based financial technologies (Fintech) have been identified as important disruptive driving forces for this paradigm shift. In this paper, we take an information economics perspective to investigate how big data affects the transformation of the lending industry. By identifying how signaling and search costs are reduced by big data analytics for credit risk management of P2P lending, we discuss how information asymmetry is reduced in the big data era. Rooted in the lending business, we propose a theory on the economics of big data and outline a number of research opportunities and challenging issues. Yu, Wayne verfasserin aut Zhao, J. Leon verfasserin aut Enthalten in Financial innovation Heidelberg : SpringerOpen, 2015 1(2015), 19 vom: Dez., Seite 1-11 Online-Ressource (DE-627)827572417 (DE-600)2824759-0 (DE-576)433887745 2199-4730 nnns volume:1 year:2015 number:19 month:12 pages:1-11 http://hdl.handle.net/10419/176410 Resolving-System kostenfrei Volltext http://dx.doi.org/10.1186/s40854-015-0018-1 Resolving-System Volltext GBV_USEFLAG_U GBV_ILN_26 ISIL_DE-206 SYSFLAG_1 GBV_KXP GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_161 GBV_ILN_170 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_602 GBV_ILN_2014 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 AR 1 2015 19 12 1-11 26 01 0206 1640007628 x1k 10-10-16 26 00 DE-206 56 Lending industry 26 00 DE-206 56 P2P lending 26 00 DE-206 56 Big data 26 00 DE-206 56 Economics of big data 26 00 DE-206 56 Fintech 26 00 DE-206 56 Information economics
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author	Yan, Jiaqi
spellingShingle	Yan, Jiaqi 26 Lending industry 26 P2P lending 26 Big data 26 Economics of big data 26 Fintech 26 Information economics How signaling and search costs affect information asymmetry in P2P lending the economics of big data
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topic_title	26 00 DE-206 56 Lending industry 26 00 DE-206 56 P2P lending 26 00 DE-206 56 Big data 26 00 DE-206 56 Economics of big data 26 00 DE-206 56 Fintech 26 00 DE-206 56 Information economics How signaling and search costs affect information asymmetry in P2P lending the economics of big data Jiaqi Yan, Wayne Yu and J. Leon Zhao
topic	26 Lending industry 26 P2P lending 26 Big data 26 Economics of big data 26 Fintech 26 Information economics
topic_unstemmed	26 Lending industry 26 P2P lending 26 Big data 26 Economics of big data 26 Fintech 26 Information economics
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title_full	How signaling and search costs affect information asymmetry in P2P lending the economics of big data Jiaqi Yan, Wayne Yu and J. Leon Zhao
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title_sort	how signaling and search costs affect information asymmetry in p2p lendingthe economics of big data
title_auth	How signaling and search costs affect information asymmetry in P2P lending the economics of big data
abstract	In the past decade, online Peer-to-Peer (P2P) lending platforms have transformed the lending industry, which has been historically dominated by commercial banks. Information technology breakthroughs such as big data-based financial technologies (Fintech) have been identified as important disruptive driving forces for this paradigm shift. In this paper, we take an information economics perspective to investigate how big data affects the transformation of the lending industry. By identifying how signaling and search costs are reduced by big data analytics for credit risk management of P2P lending, we discuss how information asymmetry is reduced in the big data era. Rooted in the lending business, we propose a theory on the economics of big data and outline a number of research opportunities and challenging issues.
abstractGer	In the past decade, online Peer-to-Peer (P2P) lending platforms have transformed the lending industry, which has been historically dominated by commercial banks. Information technology breakthroughs such as big data-based financial technologies (Fintech) have been identified as important disruptive driving forces for this paradigm shift. In this paper, we take an information economics perspective to investigate how big data affects the transformation of the lending industry. By identifying how signaling and search costs are reduced by big data analytics for credit risk management of P2P lending, we discuss how information asymmetry is reduced in the big data era. Rooted in the lending business, we propose a theory on the economics of big data and outline a number of research opportunities and challenging issues.
abstract_unstemmed	In the past decade, online Peer-to-Peer (P2P) lending platforms have transformed the lending industry, which has been historically dominated by commercial banks. Information technology breakthroughs such as big data-based financial technologies (Fintech) have been identified as important disruptive driving forces for this paradigm shift. In this paper, we take an information economics perspective to investigate how big data affects the transformation of the lending industry. By identifying how signaling and search costs are reduced by big data analytics for credit risk management of P2P lending, we discuss how information asymmetry is reduced in the big data era. Rooted in the lending business, we propose a theory on the economics of big data and outline a number of research opportunities and challenging issues.
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title_short	How signaling and search costs affect information asymmetry in P2P lending
url	http://hdl.handle.net/10419/176410 http://dx.doi.org/10.1186/s40854-015-0018-1
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How signaling and search costs affect information asymmetry in P2P lending : the economics of big data

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