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

dc.contributor.authorGleasure, Robert
dc.contributor.authorTreacy, Stephen
dc.contributor.authorFeller, Joseph
dc.contributor.funderLewis Charitable Foundation, USA
dc.date.accessioned2018-06-11T09:15:33Z
dc.date.available2018-06-11T09:15:33Z
dc.date.issued2017-05-30
dc.date.updated2018-06-11T08:36:55Z
dc.description.abstractInternet-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.sponsorshipLewis Charitable Foundation, USA (Technology-Enabled Organizational Openness and Transparency (TOTO) project)en
dc.description.statusPeer revieweden
dc.description.versionAccepted Versionen
dc.format.mimetypeapplication/pdfen
dc.identifier.citationFeller, 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.2016.1en
dc.identifier.doi10.1057/jit.2016.1
dc.identifier.endpage146en
dc.identifier.issn0268-3962
dc.identifier.issn1466-4437
dc.identifier.issued2en
dc.identifier.journaltitleJournal of Information Technologyen
dc.identifier.startpage127en
dc.identifier.urihttps://hdl.handle.net/10468/6264
dc.identifier.volume32en
dc.language.isoenen
dc.publisherPalgrave Macmillan UKen
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.2016.1en
dc.subjectInternet-enabled Peer-to-Peer Lending Systemsen
dc.subjectIP2PLSen
dc.subjectCrowdfundingen
dc.subjectCollective actionen
dc.subjectInformation sharingen
dc.subjectPersonal transparencyen
dc.subjectSocial Identity Theoryen
dc.titleInformation sharing and user behavior in Internet-enabled Peer-to-Peer Lending Systems: an empirical studyen
dc.typeArticle (peer-reviewed)en
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