scholarly journals Data-Driven Investment Strategies for Peer-to-Peer Lending: A Case Study for Teaching Data Science

Big Data ◽  
2018 ◽  
Vol 6 (3) ◽  
pp. 191-213 ◽  
Author(s):  
Maxime C. Cohen ◽  
C. Daniel Guetta ◽  
Kevin Jiao ◽  
Foster Provost
2018 ◽  
Author(s):  
Maxime Cohen ◽  
Daniel Guetta ◽  
Kevin Jiao ◽  
Foster Provost

2020 ◽  
Vol 7 (8) ◽  
pp. 1584
Author(s):  
Anisa Fadilah Zustika ◽  
Ana Toni Roby Candra Yudha

The technology-based financial management system or so-called financial technology (fintech) has become a trend in the millennial era, both with sharia or conventional labels. This study aims to determine and examine the operational mechanisms and implications of the application of the peer to peer lending system, which is used as a transaction method both in funding and financing. The approach used is qualitative, an approach that prioritizes the subjectivity aspects of researchers and informants. The informants of this study are experts from several stakeholders such as the MUI of East Java, Masyarakat Ekonomi Syariah (MES) branch of Semarang, and 2 sharia fintech business owners and practitioners in East Java. The study results obtained are fintech based on a peer to peer lending system (P2PL) in the perspective of hifdzu mal (Investree company case study) is an online loan transaction that is consistent with the theory of hifdzu maal. The suitability of the transaction with hifdul maal, because each agreement is clear and in accordance with sharia provisions such as fair, mutually committed, and protect ownership. Suggestions from this study are the need for the addition of sharia supervisory board (DPS) for fintech, collaboration with universities in business development so that literacy and inclusion of fintech can be more extensive and developed.Keywords: fintech, peer to peer lending (P2PL), protection of wealth


2020 ◽  
Vol 72 (5) ◽  
pp. 765-785
Author(s):  
Maxat Kassen

PurposeThe peer-to-peer perspective on open data is an interesting topic to research, taking into account that data-driven innovations and related startups are often developed independently by civic and private stakeholders in a highly collaborative manner and are tentatively beginning to directly compete with traditional e-government solutions, providing arguably better services to citizens and businesses. In this regard, the paper aims to further debate on the potential of such independent data-driven collaboration not only to transform the traditional mechanisms of public sector innovations but also provide more democratic ways to ensure greater transparency of government and its responsibility before the society.Design/methodology/approachThe research is based on a cross-country case study, resorting to the content analysis of three demonstrative cases in the development of open data-driven projects, which specifically promote peer-to-peer communication between its stakeholders. In this regard, the case study itself relies heavily on the analysis of rich empirical data that the author collected during his field studies in the Northern European region in 2015–2017, particularly in Estonia, Finland and Sweden. The practical research itself consists of three major parts, which reflect peer-to-peer perspectives of correspondingly civic, public and private stakeholders through manifested examples of related independent projects in the area.FindingsThe paper's results demonstrate that the use of peer-to-peer mechanisms in advancing related public sector reforms allows to transform the traditional understanding of e-government phenomena in a conceptually new way. E-government or its last more political interpretation – from the perspective of its peers could be regarded not necessarily as a platform to provide digital public services but as a source of raw material for various third party projects in, respectively, civic, government and business peer-to-peer dimensions of such reforms. As a result, open data provides an interesting playground to change the very nature of public sector innovations in the area.Research limitations/implicationsThe choice of countries for research was motivated by purposive and convenience sampling because all these countries are situated in one region, have both similarities and differences in historical, political and socioeconomic backgrounds and, therefore, provide an ideal playground to investigate open data as a context dependable phenomenon. In this regard, the unique political and socioeconomic contexts of these countries provide an interesting playground to debate on the potential of social democracy, egalitarian society and social equality, i.e. public values that are deeply embedded into the fabric of societies there, to benefit the open data movement in a fundamental manner.Practical implicationsThis paper reports on unique practical approaches for peer-to-peer collaboration and cooperation in advancing open data-driven platforms among stakeholders. The results of the case studies in three Nordic countries, which are currently among global leaders in advancing the concept of open government, are presented in an intrinsically illustrative manner, which could help practitioners and policymakers to understand better the potential of such a peer-to-peer perspective on open data. In this regard, the models proposed, of citizen-to-citizen, business-to-business, government-to-government interactions, could be interesting to a wide audience of e-government stakeholders in many nations.Social implicationsThe paper also enters into philosophical debates about societal implications of digital peer-to-peer data-driven communication among people. Recent efforts to digitize almost every part of social life, starting from popularization of solutions for distant work and ending to online access to various public services, incentivize individual members of civil society to communicate in an inherently peer-to-peer way. This fact will definitely increase the demand for related digital services. Social distancing in a digital context will allow to paradoxically emancipate technically savvy and entrepreneurial people in creating new services, including using open data, which could meet the demand.Originality/valueThe research is intrinsically of an empirical character because recent e-government reforms in the public sector in many countries, including in the open data area, provide rich practical knowledge to test the limits of new technologies to advance society in socioeconomic and, more importantly, political development. In this regard, this paper provides the first research in analyzing open data from a unique peer-to-peer perspective with an ultimate goal of the whole investigation to draw the attention of other e-government scholars and initiate debates on the collaborative nature of the phenomena to empower civil society and ensure transparency of government.


Author(s):  
A.D. Saputra ◽  
I.J. Burnia ◽  
M. Rifki Shihab ◽  
R.S.A. Anggraini ◽  
P.H. Purnomo ◽  
...  
Keyword(s):  

2021 ◽  
Vol 10 ◽  
pp. 1298-1309
Author(s):  
Oanh Van Nguyen ◽  
Cong Van Lai ◽  
Hai Thanh Luong ◽  
Toan Quang Le ◽  

Online peer-to-peer lending applications have emerged in some recent years in Vietnam, where the consumer lending market is potential for financial companies. This country faces challenges to control the online lending business. As a result, criminals find loopholes in the legal system on this business to commit loan sharks. This article targets to explore the nature of the connection between a loan shark and online peer-to-peer lending applications through interviewing with police officials in their specific operation investigated. The findings highlight a close structure of criminal groups related to loan sharks via this lending platform and a comprehensive profile of borrowers. These findings suggest some recommendations for fighting against this crime effectively in the coming time.


2020 ◽  
Vol 7 (2) ◽  
pp. 65
Author(s):  
Ika Yunia Fauzia

This research tries to improve financial literacy through sharia fintech, especially in payment gateway, peer to peer lending, and crowdfunding. It focuses mainly on how the X, Y, and Z generations may improve financial literacy. The research uses a qualitative approach in analyzing its case study, involving 30 informants in Indonesia who have the knowledge or other ways and access sharia fintech. The research will then select 30 informants and ten people to represent each X, Y, and Z generations. The research shows that X generations are more literate in sharia fintech than Y and Z generations to disseminate and spread sharia fintech and improve its infrastructures and services in its products.


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