Influencing lenders’ repeat investment intention in p2p lending platforms in China through signaling

Ming Yang; Haiyang Li; Zhen Shao; Wei Shang

Influencing lenders’ repeat investment intention in p2p lending platforms in China through signaling

Ming Yang
, Haiyang Li
, Zhen Shao
, Wei Shang

School of Management

Central University of Finance and Economics
Academy of Mathematics and System Science

Research output: Contribution to conference › Paper › peer-review

10 Scopus citations

Abstract

Repeated investments by lenders are critical for the survival and success of an online P2P lending platform. Lenders’ trust in a platform influences their investment decisions. This study explores the impact of trust and its antecedents on lender investment intention in online P2P lending platforms. An online survey of 358 active P2P lenders on several leading online P2P lending platforms in China was conducted. Empirical results suggest that lender trust in a platform has a strong influence upon both perceived risk and investment intention. Furthermore, the results show that top management team heterogeneity, reputation, and quality of the platform have significant effects on lender trust. Both theoretical and practical implications of these findings are discussed.

Original language	English
State	Published - 2017
Event	21st Pacific Asia Conference on Information Systems: Societal Transformation Through IS/IT, PACIS 2017 - Langkawi, Malaysia Duration: 16 Jul 2017 → 20 Jul 2017

Conference

Conference	21st Pacific Asia Conference on Information Systems: Societal Transformation Through IS/IT, PACIS 2017
Country/Territory	Malaysia
City	Langkawi
Period	16/07/17 → 20/07/17

Keywords

Online P2P marketplace, lender trust
Repeat investment intention
Signaling theory

Cite this

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title = "Influencing lenders{\textquoteright} repeat investment intention in p2p lending platforms in China through signaling",

abstract = "Repeated investments by lenders are critical for the survival and success of an online P2P lending platform. Lenders{\textquoteright} trust in a platform influences their investment decisions. This study explores the impact of trust and its antecedents on lender investment intention in online P2P lending platforms. An online survey of 358 active P2P lenders on several leading online P2P lending platforms in China was conducted. Empirical results suggest that lender trust in a platform has a strong influence upon both perceived risk and investment intention. Furthermore, the results show that top management team heterogeneity, reputation, and quality of the platform have significant effects on lender trust. Both theoretical and practical implications of these findings are discussed.",

keywords = "Online P2P marketplace, lender trust, Repeat investment intention, Signaling theory",

author = "Ming Yang and Haiyang Li and Zhen Shao and Wei Shang",

note = "Publisher Copyright: {\textcopyright} PACIS 2017.; 21st Pacific Asia Conference on Information Systems: Societal Transformation Through IS/IT, PACIS 2017 ; Conference date: 16-07-2017 Through 20-07-2017",

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TY - CONF

T1 - Influencing lenders’ repeat investment intention in p2p lending platforms in China through signaling

AU - Yang, Ming

AU - Li, Haiyang

AU - Shao, Zhen

AU - Shang, Wei

PY - 2017

Y1 - 2017

N2 - Repeated investments by lenders are critical for the survival and success of an online P2P lending platform. Lenders’ trust in a platform influences their investment decisions. This study explores the impact of trust and its antecedents on lender investment intention in online P2P lending platforms. An online survey of 358 active P2P lenders on several leading online P2P lending platforms in China was conducted. Empirical results suggest that lender trust in a platform has a strong influence upon both perceived risk and investment intention. Furthermore, the results show that top management team heterogeneity, reputation, and quality of the platform have significant effects on lender trust. Both theoretical and practical implications of these findings are discussed.

AB - Repeated investments by lenders are critical for the survival and success of an online P2P lending platform. Lenders’ trust in a platform influences their investment decisions. This study explores the impact of trust and its antecedents on lender investment intention in online P2P lending platforms. An online survey of 358 active P2P lenders on several leading online P2P lending platforms in China was conducted. Empirical results suggest that lender trust in a platform has a strong influence upon both perceived risk and investment intention. Furthermore, the results show that top management team heterogeneity, reputation, and quality of the platform have significant effects on lender trust. Both theoretical and practical implications of these findings are discussed.

KW - Online P2P marketplace, lender trust

KW - Repeat investment intention

KW - Signaling theory

UR - https://www.scopus.com/pages/publications/85078936452

M3 - 论文

AN - SCOPUS:85078936452

T2 - 21st Pacific Asia Conference on Information Systems: Societal Transformation Through IS/IT, PACIS 2017

Y2 - 16 July 2017 through 20 July 2017

ER -

Influencing lenders’ repeat investment intention in p2p lending platforms in China through signaling

Abstract

Conference

Keywords

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