| Autor: |
prof. PhDr. Petr Teplý Ph.D., Michal Polena, Yael Roshwalb
|
| Typ: |
Kapitoly v knize |
| Rok: |
2021 |
| Číslo: |
0 |
| ISSN / ISBN: |
978-3-030-66433-6 |
| Publikováno v: |
Palgrave Macmillan |
| Místo vydání: |
Springer Books, Switzerland |
| Klíčová slova: |
blockchain, peer-to-peer lending, smart contracts |
| JEL kódy: |
|
| Citace: |
Teplý, P. Roshwalb, Y., Polena, M. (2021). "Financial Disintermediation: The Case of Peer-to-Peer Lending," Springer Books, in: Maurizio Pompella & Roman Matousek (ed.), The Palgrave Handbook of FinTech and Blockchain, chapter XXII, pages 375-401, Springer. DOI 10.1007/978-3-030-66433-6 |
| Granty: |
GAČR 18-05244S - Inovativní přístupy k řízení úvěrových rizik
VŠE IP100040
|
| Abstrakt: |
This chapter covers the potential uses of blockchain from accounting, legal, and financial perspectives, provides a brief review of smart contracts and includes a high-level summary of classifiers and risk scoring methodologies. We have used the example of disintermediation in peer-to-peer (P2P) online lending as a case study. We identify three main areas in which blockchain as a service can provide advantages: blockchain-based creditworthiness assessments, real-time accounting, and historical datakeeping. Finally, we estimate that the funding of P2P platforms will increase from a recent USD 100 billion to USD 150 billion by 2025. |
| Ke stažení: |
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