Economics & Sociology

ISSN: 2071-789X eISSN: 2306-3459 DOI: 10.14254/2071-789X
Index PUBMS: f5512f57-a601-11e7-8f0e-080027f4daa0
Article information
Title: A model proposal to determine a crowd-credit-scoring
Issue: Vol. 11, No 4, 2018
Published date: 12-2018 (print) / 12-2018 (online)
Journal: Economics & Sociology
ISSN: 2071-789X, eISSN: 2306-3459
Authors: Antonio Moreno-Moreno
Universidad de Sevilla

Emma Berenguer
Universidad Pablo de Olavide

Carlos Sanchís-Pedregosa
Universidad de Sevilla, Universidad del Pacífico, Lima, Peru
Keywords: Crowdsourcing, crowdfunding, crowdlending, peer-to-peer, credit scoring
DOI: 10.14254/2071-789X.2018/11-4/4
Index PUBMS: 4190d326-18df-11e9-82eb-fa163e6feac6
Language: English
Pages: 69-79 (11)
JEL classification: G23

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.


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