P2p Lending in India: A Comparative Analysis of Trust, Product and Price of Select Platforms
Journal Title: International Journal of Business and Management Invention - Year 2019, Vol 8, Issue 1
Abstract
Small businesses were largely cut off from the credit after the recent financial crisis. Revolutionizing credit is considered as the best possible solution in this regard. This is where the nonconventional lending platforms come into play with their technology allowing them to function more efficiently and at cost advantage over the traditional system. Peer to peer lending is one of the most popular source of non - conventional finance. In India the concept is new, but lending market is huge and therefore has great potential. This paper tries to explain the present status of the Indian p2p lending websites by carrying out a comparative analysis on the important aspects such as platform trust, product and pricing strategies adopted by the platforms. The legal aspects of the environment as well as the possible problems and prospects are also discussed in this paper. The study found that Indian p2p platforms maintain a proper security as well as structural assurance mechanism to instil a sense of belief among the online communities.
Authors and Affiliations
Hari kumar C, Dr. B. Johnson
Keywords
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