|| prof. PhDr. Petr Teplý Ph.D., Michal Polena, Yael Roshwalb|
||Chapter in book
|ISSN / ISBN:
||Springer Books, Switzerland
||blockchain, peer-to-peer lending, smart contracts
||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
|| GACR 18-05244S - Innovative Approaches to Credit Risk Management
||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.