Publication detail

The Palgrave Handbook of FinTech and Blockchain

Author(s): prof. PhDr. Petr Teplý Ph.D., Michal Polena, Yael Roshwalb
Type: Chapter in book
Year: 2021
Number: 0
ISSN / ISBN: 978-3-030-66433-6
Published in: Palgrave Macmillan
Publishing place: Springer Books, Switzerland
Keywords: blockchain, peer-to-peer lending, smart contracts
JEL codes:
Suggested Citation: 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
Grants: GACR 18-05244S - Innovative Approaches to Credit Risk Management VŠE IP100040
Abstract: 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.
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