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In: Decision sciences
ISSN: 1540-5915
AbstractOnline peer‐to‐peer (P2P) platforms both disclose and conceal borrowers' information. Minimal research has been conducted on the impact of concealing such information on borrowers' funding success. We fill this research gap by exploring a natural experiment opportunity at Prosper, an online lending marketplace where the platform enacted a policy to conceal borrowers' past failure history. We first find that the platform's decision to conceal such information can be rational because when this information was publicly available, borrowers with past failures had lower success rates than borrowers without past failures. We next investigate the effect of hiding this information on lenders' lending decisions. Our empirical results from a series of analyses demonstrate that concealing such information helps some borrowers but also surprisingly leads to an overall lower success rate, which ultimately harms the platform and runs counter to the platform's intention. These effects are strongest for low‐risk borrowers and would attenuate in the long run. We further find that the number of borrowers' past failures is associated with lower repayment ability.
In: Marine policy, Band 150, S. 105545
ISSN: 0308-597X
In: Environmental science and pollution research: ESPR, Band 30, Heft 14, S. 42122-42139
ISSN: 1614-7499
In: Georgia Tech Scheller College of Business Research Paper No. 3399245
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In: Environmental science and pollution research: ESPR, Band 28, Heft 43, S. 60676-60691
ISSN: 1614-7499
In: Georgia Tech Scheller College of Business Research Paper No. 19-10
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Working paper
In: Journal of Financial and Quantitative Analysis, forthcoming
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Working paper
In: Georgia Tech Scheller College of Business Research Paper No. 18-26
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Working paper
In: NOC-D-21-01507
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In: NET Institute Working Paper No. 12-02
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Working paper
In: Land use policy: the international journal covering all aspects of land use, Band 115, S. 106008
ISSN: 0264-8377
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