A trust model for online peer-to-peer lending: a lender’s perspective

Chen, Dongyu; Lai, Fujun; Lin, Zhangxi

doi:10.1007/s10799-014-0187-z

Cited by 163 publications

(145 citation statements)

References 50 publications

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“…Six studies investigated the effect of perceived information quality on trust. Chen, Huang, et al ():245) define information quality as ‘the perception of the accuracy and completeness of the information provided.’ Perceived information quality was found to have a positive influence on trust (Chen, Lai, et al, ; Chen, Huang, et al, ; Zhang et al, ). When buyers experience information asymmetry, a situation wherein a seller possesses more information, this leads to lower levels of trust (Jones & Leonard, ; Wang et al, ).…”

Section: Resultsmentioning

confidence: 99%

“…A person's general disposition to trust was identified by seven studies as having an effect on trust (Chen Lai, et al, ; Lu et al, ; Lee & Lee, ; Möhlmann, ; Schlaegel, ; Sutanonpaiboon & Abuhamdieh, ; Pavlou & Dimoka, ). Disposition to trust, defined as ‘a person's general willingness to trust others,’ is a stable within‐party factor across situations and persons (Mayer et al, :715; McKnight & Chervany, ).…”

Section: Resultsmentioning

confidence: 99%

See 1 more Smart Citation

Antecedents of trust in the sharing economy: A systematic review

Huurne

Ronteltap

Corten

et al. 2017

J of Consumer Behaviour

340

225

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Users and potential users of the sharing economy need to place a considerable amount of trust in both the person and the platform with which they are dealing. The consequences of transaction partners’ opportunism may be severe, for example damage to goods or endangered personal safety. Trust is, therefore, a key factor in overcoming uncertainty and mitigating risk. However, there is no thorough overview of how trust is developed in this context. To understand how the trust of users in the sharing economy is influenced, we performed a systematic literature review. After screening, 45 articles were included in a qualitative synthesis in which the results were grouped according to a well‐established trust typology. The results show various antecedents of trust in the sharing economy (e.g. reputation, trust in the platform, and interaction experience) related to multiple entities (i.e. seller, buyer, platform, interpersonal, and transaction). Trust in this economy is often reduced to the use of reputation systems alone. However, our study suggests that trust is much more complex than that and extends beyond reputation. Furthermore, our review clearly shows that research on trust in the sharing economy is still scarce and thus more research is needed to understand how trust is established in this context. Our review is the first that brings together antecedents of trust in online peer‐to‐peer transactions and integrates these findings within an existing framework. Additionally, the study suggests directions for future research in order to advance the understanding of trust in the sharing economy.

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Section: Resultsmentioning

confidence: 99%

Section: Resultsmentioning

confidence: 99%

Antecedents of trust in the sharing economy: A systematic review

Huurne

Ronteltap

Corten

et al. 2017

J of Consumer Behaviour

340

225

View full text Add to dashboard Cite

show abstract

“…The bank's trust in the e-commerce platform was based on transaction safety the platform could provide, such as fraud protection, authentication and verification. Chen et al [16] made an empirical research on P2P platform, revealing that the credit level of an e-commerce platform was generally based on whether it was safe for the transaction and whether it provided high-quality services. The e-commerce platform which was assessed high credit helped banks mitigate SMEs' financing risk.…”

Section: Conceptual Model and Hypothesismentioning

confidence: 99%

The Effect of Non-financial Factors on Credit Level: An Empirical Study of Supply Chain Finance Based on E-commerce Platform

Fang¹,

She

Xu³

2015

Proceedings of the 2015 International Conference on Engineering Management, Engineering Education and Information Technology

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Abstract. With the development of Internet finance, the traditional supply chain finance is being extended to financial service based on e-commerce. In this condition, except for the financial data that traditional credit evaluation focuses on, non-financial factors based on the Internet and e-commerce platform should also be considered. This paper adopted empirical research method, building the structure equation model to verify some key non-financial factors which influenced supply chain finance credit level. We demonstrated that the transaction credit of financing enterprise, e-commerce platform credit and other specific factors had positive impact on supply chain finance credit level. This article provided some references for the credit risk management of supply chain finance under the environment of Internet and e-commerce.

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“…Zhang Z (2013) [13] classify the Chinese P2P lending pattern into five types. Chen D (2014) [14] shows that both trust in borrowers and trust in intermediaries are significant factors influencing lenders' lending intention. Wen XN (2014) [15] presents a network lending model for the research of factors to influence successful borrowing rate, and makes a Monte Carlo simulation.…”

Section: Introductionmentioning

confidence: 99%

Research on the Credit Risk Assessment of Chinese Online Peer-to-peer Lending Borrower on Logistic Regression Model

Chen¹

2017

dteees

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A trust model for online peer-to-peer lending: a lender’s perspective

Cited by 163 publications

References 50 publications

Antecedents of trust in the sharing economy: A systematic review

Antecedents of trust in the sharing economy: A systematic review

The Effect of Non-financial Factors on Credit Level: An Empirical Study of Supply Chain Finance Based on E-commerce Platform

Research on the Credit Risk Assessment of Chinese Online Peer-to-peer Lending Borrower on Logistic Regression Model

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