Information sharing and user behavior in Internet-enabled Peer-to-Peer Lending Systems: an empirical study

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dc.contributor.author Gleasure, Robert
dc.contributor.author Treacy, Stephen
dc.contributor.author Feller, Joseph
dc.date.accessioned 2018-06-11T09:15:33Z
dc.date.available 2018-06-11T09:15:33Z
dc.date.issued 2017-05-30
dc.identifier.citation Feller, J., Gleasure, R. and Treacy, S. (2017) 'Information sharing and user behavior in Internet-enabled Peer-to-Peer Lending Systems: an empirical study', Journal of Information Technology, 32(2), pp. 127-146. doi: 10.1057/jit.2016.1 en
dc.identifier.volume 32 en
dc.identifier.issued 2 en
dc.identifier.startpage 127 en
dc.identifier.endpage 146 en
dc.identifier.issn 0268-3962
dc.identifier.issn 1466-4437
dc.identifier.uri http://hdl.handle.net/10468/6264
dc.identifier.doi 10.1057/jit.2016.1
dc.description.abstract Internet-based information systems (IS) have enabled various forms of collective intelligence, action, and resources (e.g. open source software, innovation marketplaces, crowdsourcing, and crowdfunding). Within the domain of crowdfunding, Internet-enabled Peer-to-Peer Lending Systems (IP2PLS) have emerged as a disruptive technology, with implications for the financial services sector, business capitalization strategies, and personal and community development. IS research investigating user behavior in IP2PLS has revealed the saliency of social identity and personal transparency (as expressed through information sharing) in such systems. Prior research has largely focused on a small number of IP2PLS providers, thus this study examines a very large but under-researched platform. The study tests a theoretical model based on Social Identity Theory and prior IP2PLS studies, through an analysis of 116,667 loan records, and a subsequent analysis of 1000 manually coded records, to investigate the impact of information sharing on user (lenders and borrowers) behavior. The study reveals the importance of social (vs financial) data, and further reveals relationships that frequently contradict prior findings from other IP2PLS. The study thus implies the need for a more heterogeneous view of the IP2PLS domain, and the need to more fully understand as systems that support user behavior by enabling social information exchanges. en
dc.description.sponsorship Lewis Charitable Foundation, USA (Technology-Enabled Organizational Openness and Transparency (TOTO) project) en
dc.format.mimetype application/pdf en
dc.language.iso en en
dc.publisher Palgrave Macmillan UK en
dc.rights © 2016, Palgrave Macmillan on behalf of the Association for Information Technology Trust. All rights reserved. This is a post-peer-review, pre-copyedit version of an article published in Journal of Information Technology. The definitive publisher-authenticated version [Feller, J., Gleasure, R. and Treacy, S. (2017) 'Information sharing and user behavior in Internet-enabled Peer-to-Peer Lending Systems: an empirical study', Journal of Information Technology, 32(2), pp. 127-146. doi: 10.1057/jit.2016.1] is available online at: https://doi.org/10.1057/jit.2016.1 en
dc.subject Internet-enabled Peer-to-Peer Lending Systems en
dc.subject IP2PLS en
dc.subject Crowdfunding en
dc.subject Collective action en
dc.subject Information sharing en
dc.subject Personal transparency en
dc.subject Social Identity Theory en
dc.title Information sharing and user behavior in Internet-enabled Peer-to-Peer Lending Systems: an empirical study en
dc.type Article (peer-reviewed) en
dc.internal.authorcontactother Joseph Feller, Business Information Systems, University College Cork, Cork, Ireland. +353-21-490-3000 Email: jfeller@afis.ucc.ie en
dc.internal.availability Full text available en
dc.date.updated 2018-06-11T08:36:55Z
dc.description.version Accepted Version en
dc.internal.rssid 353502208
dc.contributor.funder Lewis Charitable Foundation, USA
dc.description.status Peer reviewed en
dc.identifier.journaltitle Journal of Information Technology en
dc.internal.copyrightchecked Yes en
dc.internal.licenseacceptance Yes en
dc.internal.IRISemailaddress jfeller@ucc.ie en


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