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Journal articles on the topic 'Digital lending'

Author: Grafiati

Published: 2 June 2025

Last updated: 31 July 2025

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1

Currier, Chad, and Alissa Centivany. "Controlled Digital Lending." Proceedings of the Association for Information Science and Technology 58, no. 1 (2021): 80–91. http://dx.doi.org/10.1002/pra2.438.

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Kumar Bhalawat, Pankaj. "UNIFIED LENDING INTERFACE(ULI): ENHANCING EFFICIENCY AND ACCESSIBILITY IN DIGITAL FINANCE." International Journal of Advanced Research 12, no. 12 (2024): 362–67. https://doi.org/10.21474/ijar01/20032.

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India has witnessed technological advancement and increasing adoption of artificial intelligence in the last decade. It has increased efficiency, productivity, quality, inclusivity, and competitiveness in financial services, especially in digital lending. However, there have been unforeseen repercussions as a result of increased dependency on third-party lending service providers, including misselling to financially unaware customers, concerns about compromised data security, unethical business operations, and illegal practices, while digital lendings current share of total credit in the finan

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Vala, Vadan, Falguni Vala, and Nilam Panchal. "THE ROLE OF DIGITALISATION IN LENDING PROCEDURE: DIGITAL LENDING VS TRADITIONAL LENDING." International Journal of Management, Public Policy and Research 1, no. 1 (2022): 39–46. http://dx.doi.org/10.55829/ijmpr.v1i1.15.

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This research paper exhibits how Banks have discovered new ways to provide flexible lending procedures as a result of the digitalization revolution. Today, the digital medium has emerged as the most promising means of improving the system in any field. Banks are also improving their methods of attracting customers by offering a greater variety of options. As a result, this paper focuses on how consumers were drawn to digital lending over traditional lending during the revolution of digitalization in lending procedure. This paper will also identify the factor that is most concerning for today's

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Yun Li. "Digital Lending and Bank Profitability in Selected Asian Countries." Journal of Business and Management Studies 7, no. 1 (2025): 15–24. https://doi.org/10.32996/jbms.2025.7.1.2.

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Digital lending is considered vital for innovation and economic growth. Many countries have experienced digital lending as alternative to formal financing channels. The growth in digital lending may have implications for banks. In this research we estimate the impact of digital lending on bank profitability in three south Asian countries. We collect banking and macro data from 2012-2023 and run panel model regression. Our results are that digital lending reduces bank profitability in our sample of banks. Our results imply that banks should adopt digital lending so they may compete with digital

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Avi, Modi, and Kesarwani Vaibhav. "Digital Lending Laws in India and Beyond: Scrutinizing the Regulatory Blind Spot." Indian Journal of Economics and Finance (IJEF) 3, no. 1 (2023): 1–7. https://doi.org/10.54105/ijef.A2542.053123.

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<strong>Abstract:</strong> With the introduction of the digital fintech ecosystem in India, there has been a paradigm shift in traditional banking practices, one of which is the complex and time-consuming lending procedure in India. With the popularization of digital credit, lending has become more accessible to the general public and has catered to the demands of the larger population who could not access this service in the past. Although this is a booming industry with an estimated size of 270 billion dollars in the year 2022 itself, India's regulatory framework cannot keep pace with th

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Mpogole, Matunda. "The Examination of Consumer Protection and Digital Lending Law and Practice in Tanzania." East African Journal of Law and Ethics 7, no. 1 (2024): 171–83. https://doi.org/10.37284/eajle.7.1.2496.

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Widespread access to digital lending has epitomized a ground-breaking change in financial access. Digital lending offers extraordinary decreases in transaction costs and time wastage; in many countries, digital lending is far outstripping traditional lending. But the same characteristics of digital lending also have the ability to harm customers in the form of unfair competition in the digital credit market, unfair application of consumer protection rules (cybersecurity, consumer data protection and privacy), unfair payment and collection practice, risk of over-indebtedness, as well as differe

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Muhammad Amir Syarifuddin. "Pengaturan Hukum Perjanjian Kredit Digital dalam Perspektif Hukum Perdata Indonesia: Kajian terhadap Undang-Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik." JOURNAL SAINS STUDENT RESEARCH 1, no. 1 (2023): 1126–35. http://dx.doi.org/10.61722/jssr.v1i1.445.

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Development of information and communication technology (ICT) has driven innovation in various fields, including the financial sector. One of these innovations is the emergence of digital lending. Digital lending is a loan that is channeled through electronic media, such as the internet, smartphones, or applications. The existence of digital lending has raised various legal issues, one of which is the regulation of digital lending agreements. This is because digital lending agreements have different characteristics from conventional lending agreements. This study aims to examine the legal regu

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Nguyễn, Thuỳ Dương, and Thị Thu Hà Đỗ. "Digital and traditional lending- Some comparative issues." Tạp chí Khoa học và Đào tạo Ngân hàng, no. 251 (April 2023): 13–23. http://dx.doi.org/10.59276/tckhdt.2023.04.2470.

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Digitization is an inevitable trend in the banking and finance industry, which brings great benefits to banks, customers and the whole economy. Regarding the lending activities, the transformation from manually to digitally has shorten the lending process, saving time and costs for both borrowers and lenders. The article uses the method of synthesis, analysis and comparison, based on published studies and reports on digital lending implementation of a commercial bank in India and Indonesia. This article analyzes the main advantages of digital lending compare with traditional lending. In which,

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Noviani, Ratna, and Elok Santi Jesica. "The Deep Mediatization of Student Loans: A Case Study of Digital-based Lending Practice in Indonesia." Jurnal Kawistara 14, no. 3 (2024): 351. https://doi.org/10.22146/kawistara.97248.

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The emergence of digital technology has significantly transformed the lending landscape. One example of the rising influence of digital lending practice targeting university students in Indonesia is Cicil. This digital-based lending platform provides a Peer-to-Peer (P2P) lending service that aims to cater to higher education students who have been frequently excluded from various lending programs. This study explores the deep mediatization of loans within the ecosystem of digital platforms and how it transforms lending practices, as provided by Cicil. Utilizing the concept of deep mediatizatio

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Gliściński, Konrad. "Towards e-Lending by Libraries." Gdańskie Studia Prawnicze, no. 4(65)/2024 (December 16, 2024): 168–78. https://doi.org/10.26881/gsp.2024.4.11.

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The commentary discusses a judgment of the CJEU on the interpretation of EU law in relation to e-lending by libraries. E-lending conducted by libraries using digitized paper books is known as Independent Secure Digital Lending (iSDL), which is the European equivalent of the Control Digital Lending (CDL) system used in the USA. The Court clarified that lending digital copies of books by public libraries can be covered by the exception from the exclusive lending right provided it has similar characteristics to lending printed works. The “one copy, one user” model, where a digital copy is placed

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Korobeynikova, Olga, Dmitry Korobeynikov, and Lyudmila Stefanovich. "Consumer Lending Instruments in the Context of COVID-19." Vestnik Volgogradskogo gosudarstvennogo universiteta. Ekonomika, no. 4 (February 2022): 180–91. http://dx.doi.org/10.15688/ek.jvolsu.2021.4.14.

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The purpose of the article is to assess the use of consumer lending tools in the context of COVID-19 restrictions and predict the development directions of digital credit innovations in the consumer segment. It has been established that digital innovation in consumer lending is proceeding at a high rate, digital ecosystems, platforms and services are being formed. The qualitative side of the changes is characterized by the creation of new and modernization of traditional lending instruments produced by traditional banks and non-banking organizations. The COVID-19 pandemic has accelerated the s

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Azizah, Liza, Jonny Levar, and Wilhelmus Hary Susilo. "STUDY EXAMINES THE PUBLIC BANKING SECTOR WITH A FOCUS ON THE PRACTICES OF DIGITAL LENDING AND THE ROLE OF MANAGERS WITHIN THIS CONTEXT." International Journal of Research in Commerce and Management Studies 06, no. 05 (2024): 319–42. http://dx.doi.org/10.38193/ijrcms.2024.6519.

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The study of the lending sector, particularly in the context of digital lending, highlights the online credit top-up feature available through various applications. Lending refers to the process of distributing or borrowing funds, wherein customers engage in borrowing activities. Financial institutions, acting as lenders, typically earn profits through interest rates charged on these loans. This manuscript seeks to examine the public banking sector's relationship with digital lending, employing methods grounded in literature reviews and analyses conducted using the NVivo software. The research

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Nguyễn, Bích Ngân. "International experience in management digital lending of commercial banks." Tạp chí Kinh tế - Luật và Ngân hàng 26, no. 262 (2024): 41–51. http://dx.doi.org/10.59276/jelb.2024.03.2595.

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The digital transformation project in the banking sector has provided impetus for Vietnam’s commercial banks to vigorously implement digital-based business products, one of which is digital lending. Therefore, the State Bank of Vietnam issued Circular 06/2023/TT-NHNN on June 28, 2023, with the aim of establishing a legal framework for this lending activity. This study is based on the synthesis of information disclosed by central banks and monetary authorities of various countries, including China, India, and Singapore regarding the management of digital lending in commercial banks. Drawing fro

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Akhileshwari,, Asamani. "Navigating the Connections Among ‘Financial Inclusion’, Digital Lending Adoption, and Financial Literacy in India: The Mediating Role of Artificial Intelligence." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 05 (2025): 1–9. https://doi.org/10.55041/ijsrem48940.

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Abstract: With an eye towards "Artificial Intelligence (AI)," this paper looks at the relationship between "digital lending adoption," "digital financial literacy," and "financial inclusion" in India. Based on earlier studies showing the critical need of "digital financial literacy" in advancing "financial inclusion," the article underlines the significance of financial technology solutions enhanced by artificial intelligence as a primary facilitator. The findings show that by streamlining complex financial duties and tackling financial literacy gaps, artificial intelligence helps low-income p

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15

De Castell, Christina, Joshua Dickison, Trish Mau, et al. "Controlled Digital Lending of Library Books in Canada." Partnership: The Canadian Journal of Library and Information Practice and Research 17, no. 2 (2022): 1–35. http://dx.doi.org/10.21083/partnership.v17i2.7100.

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This paper explores legal considerations for how libraries in Canada can lend digital copies of books. It is an adaptation of A Whitepaper on Controlled Digital Lending of Library Books by David R. Hansen and Kyle K. Courtney, and draws heavily on this source in its content, with the permission of the authors. Our paper considers the legal and policy rationales for the process—“controlled digital lending”—in Canada, as well as a variety of risk factors and practical considerations that can guide libraries seeking to implement such lending, with the intention of helping Canadian libraries to ex

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Alipour-Hafezi, Mehdi, and Hamid Reza Khedmatgozar. "E-lending in digital libraries: a systematic review." Interlending & Document Supply 44, no. 3 (2016): 108–14. http://dx.doi.org/10.1108/ilds-01-2016-0001.

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Purpose The purpose of this paper is to systematically review e-lending research studies in the digital library domain to identify their subjects, existing research gap and their research methods. Design/methodology/approach This is a systematic review. Through several stages of searching in related databases, 30 research works including journal and conference research papers, theses and dissertations, research and technical reports were identified and reviewed based on the guidelines of systematic review protocols. Findings It was found that research in e-lending domain is growing, and the su

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Semenog, Andrii. "Dynamics of bank lending in ukraine: influence of the development of digital innovations and technologies." Vìsnik Sumsʹkogo deržavnogo unìversitetu 2024, no. 1 (2024): 39–51. http://dx.doi.org/10.21272/1817-9215.2024.1-04.

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The article examines the relevance of the development digital innovations and technologies and their impact on the growth of the fintech direction of digital lending, which is represented by the landscape of fintech companies that use the disruptive power of digital technologies and the advantages of innovations of service institutions to offer consumers a wide range of digital credit products and services. The purpose of the article is to define the essence of digital lending and identify the role of digital technologies and innovations in the development of fintech, using the example of calc

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Sugeng, Sugeng. "ASPEK HUKUM DIGITAL LENDING DI INDONESIA." Jurnal Legislasi Indonesia 17, no. 4 (2020): 437. http://dx.doi.org/10.54629/jli.v17i4.639.

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Juma, Otieno Ezekiel, Moses Kamau Kariuki, Shianda Doris Oneya, Jonathan Karube Pkatey, Francis Anyira, and Beatrice Jemaiyo. "Effect of Digital Lending Uptake, Regulatory Framework and Financial Stability of Nonbank Financial Institutions (NBFIs) in Kenya." European Journal of Accounting, Auditing and Finance Research 13, no. 2 (2025): 87–102. https://doi.org/10.37745/ejaafr.2013/vol13n287102.

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This research investigated the effect of digital lending adoption, the regulatory framework, and the financial stability of nonbank financial institutions (NBFIs) in Kenya. The regulatory framework mediates the relationship between digital lending adoption and financial stability. This study is based on two theories: The Technological Acceptance Model (TAM), which identifies factors influencing digital lending acceptance, and Public Interest Theory, which emphasizes regulation's role in correcting market inefficiencies and preventing exploitation. A comprehensive desktop review using Google Sc

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Rakhimova, Guzel S., Anastasia A. Baboshkina, and Ernest R. Usmanov. "THE IMPACT OF DIGITAL FINANCIAL INSTRUMENTS ON ACCESS TO CREDIT." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 6/4, no. 159 (2025): 80–88. https://doi.org/10.36871/ek.up.p.r.2025.06.04.011.

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The expansion of digital infrastructure in the financial sector is transforming traditional lending mechanisms, creating new channels for access to borrowed capital and reshaping the interaction between borrowers and lenders. The article analyzes the impact of digital financial instruments on credit accessibility parameters, including reduced transaction costs, accelerated creditworthiness assessments, and individualized financing conditions. It describes key technological solutions shaping new lending models: digital scoring, credit marketplaces, automated lending platforms, open banking syst

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Liguzinski, Maciej. "Forging a friction." Nordic Journal of Library and Information Studies 4, no. 1 (2023): 1–16. http://dx.doi.org/10.7146/njlis.v4i2.134039.

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The article explores the development of e-lending models for digital books (e-books and digital audiobooks) in public libraries from a comparative perspective, analysing cases in Denmark, Norway and Sweden. Special attention is placed on the actors involved in developing e-lending models and the variations across Scandinavia. First, the legal prerequisites of digital books, licensing culture and policy context are linked. Next, the phenomenon of e-lending and e-lending models are introduced and discussed as a form of artificial friction. Then, based on a review of international and Scandinavia

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Jassal, Dr Tajinder, Abbineni Praveen Chowdary, Donkada Prasanna Kumar, and Subham Chowdhury. "Study of Digital Lending & Borrowing Patterns Among Students in Fintech Space." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 05 (2025): 1–7. https://doi.org/10.55041/ijsrem45380.

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Abstract—The rapid evolution of financial technology (FinTech) has significantly transformed the lending landscape, especially for students seeking accessible credit. This study examines digital lending and borrowing patterns among students, focusing on their motivations, financial literacy, and interaction with technology-driven credit platforms. Using a structured survey of college and university students, the research explores key variables such as borrowing behavior, repayment trends, awareness of loan conditions, and preferred digital platforms. The findings reveal a surge in the use of o

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Travkin, Mikhail A. "Long-Term Lending in Russian Banks: Current State, Impact of Inflation, and Digital Innovations." Теория и практика общественного развития, no. 9 (September 25, 2024): 75–82. http://dx.doi.org/10.24158/tipor.2024.9.8.

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The article discusses the theoretical foundations of long-term lending, analyzing its role and necessity for de-velopment within the Russian economy. The dependence of long-term lending on the influence of inflation in the period 2021–2024 is investigated. It also substantiates the dependence of the growth and decline in lending growth rates on the level of inflation and concludes that inflation affects precisely the growth rate of lending volumes, but not the increase or decrease in lending volumes. An analysis of the dynamics of lending is carried out for various categories of borrowers (cor

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Алиев, О. М. "Development of digital mortgage in a bank." Экономика и предпринимательство, no. 10(135) (January 10, 2022): 187–93. http://dx.doi.org/10.34925/eip.2021.135.10.033.

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В статье рассмотрено внедрение двухуровневой системы ипотечного кредитования, которым занимается АО «ДОМ.РФ». Приоритет ДОМ.РФ - рефинансирование ипотечных кредитов. Показано, что двухуровневая модель ипотечного кредитования открывает большие возможности для государственного регулирования рынка ипотечного кредитования, а через него - рынков недвижимости, ценных бумаг и макроэкономического регулирования в целом. Проведен анализ заключения цифровых сделок по ипотеке в банке ДОМ.РФ и анализ статистики банка по цифровому ипотечному кредитованию. Сделаны рекомендации банку ДОМ.РФ и в целом банковск

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Indrianti, Liani Putri. "Strategies to Minimize Illegal Digital Lending Practices During The Pandemic Through Islamic Financial Literacy." Review of Islamic Economics and Finance 4, no. 2 (2022): 167–80. http://dx.doi.org/10.17509/rief.v4i2.42184.

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AbstractPurpose – Financial technology lending or digital lending services arguably has the potentials to play an important role in the economic recovery during the pandemic time. However, a number of irresponsible people have illegally exploited the service for their selfish gain. This has resulted in many people whose rights have been jeopardized by the services. This study seeks to find out which of the three aspects, namely literacy, regulation, and implementation, serves as the root of the problem of the widespread practices of illegal digital lending among Indonesians. In addition, the s

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Singh, Pushpkiran, Tejas Dave, and Ashish B. Joshi. "Moderating role of Digital Consumer Protection in Impacting the Intention to Use Digital Financial Services." International Review of Management and Marketing 14, no. 5 (2024): 222–34. http://dx.doi.org/10.32479/irmm.16842.

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Digital finance has the potential to increase financial services accessibility and financial inclusion of the people in need. Digital Financial Services encompass a range of financial services that are accessible and utilized via digital platforms, including lending, payments, insurance, and eventually personal finance management. In addition to more contemporary financial solutions like digital lending platforms, crowdfunding platforms, peer-to-peer (P2P) lending, digital payments, e-commerce, mobile wallets, and app-based lending, digital financial services also include more traditional fina

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Sumarnah, Riski. "of Interest In Using Sharia Peer To Peer Lending In Indonesia." International Journal of Islamic Finance 1, no. 1 (2023): 35–58. https://doi.org/10.14421/ijif.v1i1.2033.

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Background: Many business actors are turning financial service technology, namely financial technology or what is known as fintech, into an innovation to survive in their business. One of the Sharia fintech products is a Sharia peer-to-peer lending service that brings together lenders and borrowers. The presence of peer-to-peer lending will make it easier for people to provide loans or apply for loan funds for various purposes without using the services of financial institutions as intermediaries. Objectives: This research aims to determine whether financial literacy, digital literacy, Perceiv

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Simaeva, Evgenia P. "Optimization of the Legal Regulation of Credit Operations in the Conditions of Digitization: Issues and Development Prospects." Business security 1 (February 11, 2021): 32–36. http://dx.doi.org/10.18572/2072-3644-2021-1-32-36.

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The subject of the research is the current Russian legislation regulating lending activities in the context of the implementation of the national project “Digital Economy”. The purpose of the article is to establish functioning legal opportunities to reduce debt load and to identify directions for optimizing national legislation governing the provision of credit products. To effectively impact digital transformation on lending, the focus should be on developing a new mindset to make the best use of technology, motivate people and streamline processes. It is financial institutions that create a

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Riski, Tri Rachmat, Henny Sulistianingsih, and Maivalinda Maivalinda. "THE ROLE OF DEMOGRAPHIC FACTORS MODERATING THE LEVEL OF DIGITAL LITERACY ON ONLINE LENDING BEHAVIOR." Jurnal Apresiasi Ekonomi 12, no. 3 (2024): 711–22. https://doi.org/10.31846/jae.v12i3.949.

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The aim of this study to explore the role of demographic factors moderating the level of digital literacy on online lending behavior. This study use a purposive sampling technique and the sample elements of the object are selected based on certain considerations and criteria, namely micro and small business actors on this study. Data was collected using survey techniques with a total of 100 respondents. The proposed model of this study are using descriptive analysis and SEM PLS in order to obtain the information about digital literacy on the online lending behavior of the Padang community mode

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Modi, Avi, and Vaibhav Kesarani. "Digital Lending Laws in India and Beyond: Scrutinizing the Regulatory Blind Spot." Indian Journal of Economics and Finance 3, no. 1 (2023): 1–7. http://dx.doi.org/10.54105/ijef.a2542.053123.

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With the introduction of the digital fintech ecosystem in India, there has been a paradigm shift in traditional banking practices, one of which is the complex and time-consuming lending procedure in India. With the popularization of digital credit, lending has become more accessible to the general public and has catered to the demands of the larger population who could not access this service in the past. Although this is a booming industry with an estimated size of 270 billion dollars in the year 2022 itself, India's regulatory framework cannot keep pace with this sector's growth. It has been

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Olivia, Fransiske Christine Walangitan. "Fintech P2P Lending: A New Avenue for Community Funding in Manado." International Journal of Innovative Science and Research Technology (IJISRT) 9, no. 11 (2024): 2065–69. https://doi.org/10.5281/zenodo.14292412.

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Fintech Peer-to-Peer (P2P) lending has emerged as a transformative financial tool, bridging access gaps in Manado City, Indonesia. By leveraging digital platforms, P2P lending enables efficient and accessible financing, particularly for individuals and businesses traditionally excluded from formal banking services. With the rise of smartphones, P2P services offer a seamless, user-friendly experience that bypasses conventional banking complexities, providing fast approvals, flexible terms, and lower operational costs. This study explores the potential of P2P lending to enhance financial inclusi

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Mulwa, Martina Mutheu, and Umar Yahya. "Review of Digital Lending Models for Financial Inclusion: Challenges, Opportunities, and Way Forward." European Journal of Business and Management Research 10, no. 2 (2025): 184–91. https://doi.org/10.24018/ejbmr.2025.10.2.2211.

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Reaching out to the financially excluded populations in Kenya with responsive financial services has been elusive for a long time. This is however changing through digital lending. Powered by Financial innovations in IT that include Artificial Intelligence, Machine Learning and Deep Learning among others, credit scoring is now possible for populations devoid of the traditional loan appraisal requirements or any form of credit history. This paper provides a review of the digital lending solutions on offer, the challenges and opportunities and a pathway for improved and more inclusive digital le

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Prasetiyani, Erni, Ai Neti Sumidartini, Endro Andayani, and Resista Vikaliana. "Efektivitas “Digital Lending” Pada Lending Model (Studi Kasus Kredit Usaha Rakyat Bank Mandiri)." Abiwara : Jurnal Vokasi Administrasi Bisnis 5, no. 2 (2024): 127–34. http://dx.doi.org/10.31334/abiwara.v5i2.4041.

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Pemberdayaan ekonomi Usaha Mikro Kecil Menengah (UMKM) melalui lending model yaitu suatu strategi pemberian kredit melalui komunitas UMKM yang mempunyai komoditas dan kebutuhan bahan baku yang sama sudah, direlease oleh Bank Indonesia guna akselerasi kredit. Tujuannya untuk mengendalikan inflasi bahan baku, akselerasi potensi ekspor dan pendukung pariwisata serta mendukung UMKM menuju kestabilan permodalan. Lending Model dengan Digital Lending menjadi menjadi kebutuhan UMKM modern guna mengakses proposal pinjaman kredit lebih cepat dan memonitor proses persetujuan kredit. Tujuan penelitian unt

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Shoim, Abdurrozaq, and Syarif Thayib. "DAMPAK LAYANAN FINTECH LENDING ATAU PEER TO PEER LENDING." Indo-Fintech Intellectuals: Journal of Economics and Business 5, no. 2 (2025): 5209–23. https://doi.org/10.54373/ifijeb.v5i2.2426.

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Kemajuan teknologi di sektor keuangan menjadi salah satu faktor munculnya keuangan digital atau layanan fintech (financial technology), yang juga semakin lama semakin banyak. Kemudian dibarengi dengan semakin meningkatnya kebutuhan masyarakat, layanan fintech tersebut semakin berkembang dengan munculnya layanan Fintech (Finansial Teknologi) Atau Peer To Peer (P2P) Lending. Banyak yang merasa terbantu di awal melalui kemudahan dalam mendapatkan bantuan finansial atau pinjaman uang. Tetapi di kemudian hari banyak yang menyesal karena merasa dirugikan dengan bunga yang relatif banyak oleh layanan

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Akhileshwari, Asamani, Jayavani Majumdar, and Kanika Gupta. "Delving into the intricate web of factors that shape the digital lending behavior of individuals : A profound understanding of the Indian landscape." Journal of Information and Optimization Sciences 45, no. 6 (2024): 1501–18. http://dx.doi.org/10.47974/jios-1629.

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The sheer number of Indian young adults using digital lending platforms to satisfy their expanding consumption needs has increased significantly. It undoubtedly expands consumer markets, but it has also given rise to several significant social issues. The legal supervision of digital lending and the authentication process have been thoroughly studied in the past, with a focus on the legal and economic aspects. A few scholars have also looked at the variables from the standpoint of behavioral psychology that affect people’s digital lending. This study develops a theoretical framework that expla

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Khan, Sahiba, Ranjit Singh, H. R. Laskar, and Mousumi Choudhury. "Exploring the role of digital financial literacy in the adoption of Peer-to-Peer lending platforms." Investment Management and Financial Innovations 22, no. 1 (2025): 369–83. https://doi.org/10.21511/imfi.22(1).2025.28.

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As financial technologies rapidly expand in developing countries like India, digital financial literacy plays a critical role in shaping how individuals interact with innovative financial services. This study evaluates the influence of financial literacy, digital literacy, and digital financial literacy on the adoption of Peer-to-Peer lending platforms. It also explores the distinct roles and interrelationships among these forms of literacy within the Peer-to-Peer lending ecosystem. Data were collected from 430 participants, exceeding the minimum sample size requirement calculated through G*Po

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Gorda, Ol'ga. "SPECIFICS OF THE DEVELOPMENT OF THE WORLD FINTECH LENDING MARKET." Scientific Bulletin: finance, banking, investment, no. 1 (October 23, 2024): 99–110. https://doi.org/10.29039/2312-5330-2024-1-99-110.

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The article is devoted to the study of the conceptual foundations and specifics of the development of the global fintech lending market. In particular, a definition of this concept was proposed, which made it possible to demonstrate the difference between fintech lending and alternative and online lending. The work used a system of scientific methods and approaches that allowed us to achieve the goal of the study. The study was carried out using methods of deduction, comparisons, statistical analysis, scientific abstraction and synthesis, which made it possible to assess the current state of d

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Sudiksa, I. Made Sudiksa, , I Nyoman Sunarta, Gusi Putu Lestara Permana, et al. "LITERASI KEUANGAN DIGITAL: MENANGKAL JERATAN PINJAMAN ONLINE." Sewagati 4, no. 1 (2025): 33–39. https://doi.org/10.59819/sewagati.v4i1.4848.

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The rapid development of digital technology has led to the emergence of financial technology lending (fintech lending), including online loan services that offer convenience and accessibility. However, these conveniences often come with hidden risks, particularly for individuals with low financial literacy. This community service program was conducted in Sumerta Village, East Denpasar, Bali, aiming to increase public awareness and understanding of personal financial management and the dangers of illegal online loans. The program implemented an interactive educational approach through public se

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Karyadi, M. Nurdian. "DETERMINANTS OF GENERATION Z INTEREST IN APPLYING FOR PEER-TO-PEER LENDING CREDIT FACILITIES AT DIGITAL BANKS." JOURNAL OF BUSINESS STUDIES AND MANGEMENT REVIEW 7, no. 2 (2024): 66–73. https://doi.org/10.22437/jbsmr.v7i2.35212.

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This study aims to identify and analyze the factors influencing Generation Z's interest in applying for peer-to-peer (P2P) lending facilities at digital banks. In the rapidly advancing digital era, P2P lending has become an attractive alternative financing option for the younger generation, particularly Generation Z, who are known for their high adaptability to technology. The research employs a quantitative method with data collection conducted through a questionnaire distributed to 200 respondents from Generation Z. Data analysis is performed using multiple linear regression techniques to te

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Septiani, Sista, Salma Farah Lalita, and Dila Regita Zahra. "Pengaruh Financial Technology Peer to Peer Lending dan Uang Elektronik (E-Money) terhadap Pertumbuhan Ekonomi di Indonesia (Tahun 2021-2023)." Jurnal Keuangan dan Perbankan 21, no. 1 (2024): 69–78. https://doi.org/10.35384/jkp.v21i1.591.

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Rapid technological developments in the last few decades have had a major impact on the financial services industry. On the other hand, technological developments have given rise to new innovations such as peer to peer lending and digital payments. These two types of fintech are currently popular financial services. The existence of these two types helps people in the Covid-19 conditions because relying on technology, all transaction activities can be carried out. This research aims to determine the influence of fintech peer to peer lending and digital electronic money payments simultaneously

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Rahmah, Maulidatur, Zahida I’tisoma Billah, and Moh Samsul Arifin. "Optimalisasi Peran Peer-To-Peer Lending Syariah dalam Meningkatkan Kesejahteraan UMKM di Kabupaten Probolinggo: Pendekatan Inklusif di Era Digital." Eksis: Jurnal Ilmiah Ekonomi dan Bisnis 16, no. 1 (2025): 9. https://doi.org/10.33087/eksis.v16i1.520.

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The development of Islamic financial technology has opened new opportunities to support the growth of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, particularly in Probolinggo Regency. One rapidly growing instrument is Sharia Peer-to-Peer (P2P) Lending, which offers interest-free financing access through digital platforms. This study aims to analyze the role, challenges, and optimization strategies of Sharia P2P Lending in improving MSME welfare through an inclusive approach in the digital era. The approach used is qualitative descriptive-explorative, with data collection techniqu

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Ozili, Peterson K. "Determinants of FinTech and BigTech lending: the role of financial inclusion and financial development." Journal of Economic Analysis 2, no. 3 (2023): 66–79. http://dx.doi.org/10.58567/jea02030004.

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Credit markets around the world are undergoing digital transformation which has led to the rise in FinTech and BigTech lending. FinTech and BigTech lending is the provision of credit by FinTech and BigTech providers who have more capital, cutting-edge IT systems, worldwide recognition, greater online presence and are able to handle more big data on computers and mobile phones than traditional banks. FinTech and BigTech lending is growing in importance, but the determinants of FinTech and BigTech lending have received little attention in the literature. This study investigates the determinants

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Santoso, Rahmat. "Urgensi Prinsip Kehati-Hatian dalam Penyaluran Kredit Produk Digital Lending Perbankan Nasional." Edunity : Kajian Ilmu Sosial dan Pendidikan 2, no. 2 (2023): 202–16. http://dx.doi.org/10.57096/edunity.v2i2.58.

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Perkembangan teknologi informasi dan munculnya pesaing baru perbankan konvensional yang menjalankan fungsi penyalurkan kredit secara digital oleh perusahaan financial technology (fintech), menuntut perbankan konvensional melakukan terobosan dalam penyaluran kredit ke masyarakat berbasis aplikasi produk digital lending, sehingga masyarakat lebih mudah mengakses produk-produk keuangan, mempermudah transaksi dan juga meningkatkan literasi keuangan. Penting bagi perbankan nasional untuk tetap berpedoman kepada prinsip kehati-hatian dalam penyaluran kredit produk digital lending

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TAIWO Kamorudeen Abiola. "AI-powered credit risk assessment and algorithmic fairness in digital lending: A comprehensive analysis of the United States digital finance landscape." World Journal of Advanced Research and Reviews 26, no. 3 (2025): 1446–60. https://doi.org/10.30574/wjarr.2025.26.3.2291.

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The integration of artificial intelligence (AI) in credit risk assessment has fundamentally transformed the digital lending landscape in the United States, offering unprecedented opportunities for financial inclusion while simultaneously raising critical concerns about algorithmic fairness and discrimination. This comprehensive analysis examines the current state of AI-powered credit risk assessment systems, evaluating their effectiveness in improving lending decisions while addressing the persistent challenges of bias mitigation and regulatory compliance. Through examination of industry data,

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Mr.S.Thiruvenkatasamy, Darshan.B, Kishor.V, Mahasakthivel.A, and Nihal.M. "PEER-TO-PEER LENDING AND BORROWING." international journal of engineering technology and management sciences 7, no. 2 (2023): 550–55. http://dx.doi.org/10.46647/ijetms.2023.v07i02.064.

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P2P lending has become a popular financing option for individuals and small businesses, challenging the traditional lending system. The use of blockchain technology can optimize P2P lending by reducing intermediaries and utilizing smart contracts. This paper proposes a blockchain-supported framework for P2P lending, exploring blockchain 2.0 features in areas such as digital contracting, risk management, and regulation of P2P markets. Blockchain can improve loan processing time, reduce operational risks, and increase funding efficiency. The use of blockchain in P2P lending has the potential to

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Permana, Gusi Putu Lestara, and Made Sharol Bhavani. "Trust in Digital Era: A Study of Public Confidence in the Reliability of Peer to Peer (P2P) Lending Considering Disadvate Issues." Kompartemen : Jurnal Ilmiah Akuntansi 22, no. 1 (2024): 108. https://doi.org/10.30595/kompartemen.v22i1.21409.

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In the digital era, peer-to-peer lending platforms have emerged as a new means of connecting lenders and borrowers as the financial landscape continues to shift. This study is focused on investigating the effects of negative news, public confidence in peer-to-peer lending platforms, and public trust in the digital era. Questionnaires were distributed to 120 respondents in order to collect primary data for this study. The collected data will be analyzed using the SPSS software. It is expected that the research findings will be useful for educational purposes for those who plan to use the P2P le

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Nguyễn, Thị Thu Trang, Thùy Dương Nguyễn, and Bích Ngọc Nguyễn. "The application of technology in the lending process of Vietnamese commercial banks." Tạp chí Kinh tế - Luật và Ngân hàng 269 (September 2024): 1–18. http://dx.doi.org/10.59276/jelb.2024.09.2684.

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Adapting to the digital transformation trend, Vietnamese commercial banks in recent years have quickly caught up and implemented various software and applications to support the lending process. However, there are not many studies that focus on analyzing the detailed activities and the level of digitization in the lending process at Vietnamese commercial banks. Therefore, this article looks at the current situation of technology application at each stage of the lending process for three groups of commercial banks (large scale, medium sized, and small sized) and for two different customer group

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Akhileshwari, Asamani, and Jayavani Majumdar. "Exploring the untapped potential of digital lending through the power of quantum computing." Journal of Information and Optimization Sciences 46, no. 3 (2025): 851–60. https://doi.org/10.47974/jios-1942.

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The advent of digital disruption in lending has yielded many advantages for both borrowers and lenders. Simultaneously, it has also generated apprehensions over regulation and risks. Like conventional lending, digital lending should possess qualities such as userfriendliness, distinctiveness, resistance to tampering, and being untraceable. However, it is vital for it to possess the capability to endure assaults from digital adversaries and safeguard against breaches of data. Contemporary technologies substitutes clients’ sensitive information with randomised tokens and guarantees the distincti

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Barykin, Sergey A., and Andrei L. Bulgakov. "Factors of the fintech market development in the global economy (the case of the alternative lending)." Vestnik of Saint Petersburg University. Management 20, no. 1 (2021): 108–27. http://dx.doi.org/10.21638/11701/spbu08.2021.105.

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Alternative lending is one of the largest segments of the financial technology market in the world which is represented by online platforms specializing in organizing the lending process. The purpose of the article is to assess the impact of key factors on the dynamics of venture capital investments in alternative lending platforms. The objectives of this study are to define the concept of alternative lending, build an econometric model to analyze the factors of development of alternative lending in the world, and interpret the results from the point of view of the prospects for the developmen

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Hardayu, Audisty Prana, Nur Afifah, and Mustaruddin. "The Rising Popularity of Online Lending in Indonesia: The New Opportunities for Banks (Push-Pull Mooring Perspective)." Asian Journal of Economics, Business and Accounting 24, no. 6 (2024): 523–39. http://dx.doi.org/10.9734/ajeba/2024/v24i61379.

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Background and Purpose: Fintech lending, also known as online lending, has experienced fast growth in Indonesia in recent years through digital platforms. Online lending is supplanting the financial intermediation function hitherto predominantly held by banks. This study examines the factors influencing Indonesians' inclination to transition from traditional banking services to online lending. It seeks to understand the appeal of online lending, which has enabled it to supplant Indonesian banks in financial intermediation, employing the Push-Pull Mooring theory. Methodology: This study used a

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