A Model Proposal to Determine a Crowd-Credit-Scoring

• Autorzy: Antonio Moreno-Moreno , Emma Berenguer , Carlos anchís-Pedregosa
• Języki publikacji: EN

Abstrakty

EN

Crowdlending is gaining importance as a financial option and is democratizing access to capital markets. However, the key factors that drive investors to choose a given project requires further research. Some authors have identified certain isolated factors, but a holistic approach is needed. To fill this gap, we identified 10 success factors allowing us to build a crowdlending success model. The model leads to establishing the concept of crowd-credit-scoring, in others words, understanding which criteria "crowds" follow when lending money and how different these criteria are from those applied by banking executives. Results will be very useful to establish the crowd-credit-scoring concept. In others words, which are the criteria follow by the "crowd" to lend money and how different are this criteria to the banking executives' ones. (original abstract)

Słowa kluczowe

EN

Crowdsourcing; Crowdfunding; Credit scoring; Social lending

PL

Crowdsourcing; Finansowanie społecznościowe; Skoring kredytowy; Pożyczki społecznościowe

• Czasopismo: Economics & Sociology
• Rocznik: 2018
• Tom: 11
• Numer: nr 4
• Strony: 69--79

Twórcy

autor

Antonio Moreno-Moreno

• Universidad de Sevilla, Sevilla, Spain

autor

Emma Berenguer

• Universidad Pablo de Olavide, Sevilla, Spain

autor

Carlos anchís-Pedregosa

• Universidad de Sevilla, Sevilla, Spain

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Identyfikatory

DOI

10.14254/2071789X.2018/11-4/4