Print Email Facebook Twitter Challenges in designing an inclusive Peer-to-peer (P2P) lending system Title Challenges in designing an inclusive Peer-to-peer (P2P) lending system Author Sulastri, R. (TU Delft Information and Communication Technology) Janssen, M.F.W.H.A. (TU Delft Engineering, Systems and Services) Contributor Cid, David Duenas (editor) Department Engineering, Systems and Services Date 2023 Abstract Literature suggests advantages of Peer-to-peer (P2P) lending systems over conventional banking credit, such as better credit scoring, and direct interaction of lenders-borrowers. Fintech P2P lending companies can process scattered individual information using advanced statistical methods and serve unreached market segments improving inclusiveness in society. Establishing inclusive P2P lending systems remains challenging, however, there is no systematic overview of such design challenges. Failure in designing an inclusive system creates a system that remains exclusive for some parts of society which hinders them from increasing economic transactions or even continuing business as usual due to limited funds. This research aims to identify the challenges in designing P2P lending systems that block inclusiveness in society. We conducted a systematic literature review followed by semi-structured interviews with financial inclusions and P2P lending systems experts. Our review found a variety of challenges in designing inclusive P2P lending systems. We classify the challenges into six categories. The main challenges are related to trust in the systems, literacy, and data issues. To reference this document use: http://resolver.tudelft.nl/uuid:ca68f483-16ba-4657-90b2-14beed27570c DOI https://doi.org/10.1145/3598469.3598475 Publisher Association for Computing Machinery (ACM) ISBN 9798400708374 Source DGO '23: Proceedings of the 24th Annual International Conference on Digital Government Research: Digital Government and Solidarity, DGO 2023 Event 24th Annual International Conference on Digital Government Research - Together in the Unstable World: Digital Government and Solidarity, DGO 2023, 2023-07-11 → 2023-07-14, Gdansk, Poland Series ACM International Conference Proceeding Series Part of collection Institutional Repository Document type conference paper Rights © 2023 R. Sulastri, M.F.W.H.A. Janssen Files PDF 3598469.3598475.pdf 1.09 MB Close viewer /islandora/object/uuid:ca68f483-16ba-4657-90b2-14beed27570c/datastream/OBJ/view