Bridge or Barrier? Digital Distance and Its Effects on Peer-to-Peer Lending

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dc.contributor.authorSabzehzar, Amin
dc.contributor.authorZhou, Yingxin
dc.contributor.authorHou, Jingbo
dc.date.accessioned2023-12-26T18:43:05Z
dc.date.available2023-12-26T18:43:05Z
dc.date.issued2024-01-03
dc.identifier.doi10.24251/HICSS.2024.495
dc.identifier.isbn978-0-9981331-7-1
dc.identifier.othercf9e5d0e-bfc2-41a2-acd3-90efb2c39e1e
dc.identifier.urihttps://hdl.handle.net/10125/106879
dc.language.isoeng
dc.relation.ispartofProceedings of the 57th Hawaii International Conference on System Sciences
dc.rightsAttribution-NonCommercial-NoDerivatives 4.0 International
dc.rights.urihttps://creativecommons.org/licenses/by-nc-nd/4.0/
dc.subjectCrowd-based Platforms
dc.subjectdigital distance
dc.subjectonline trade
dc.subjectpeer-to-peer lending
dc.subjectsocial connectedness
dc.titleBridge or Barrier? Digital Distance and Its Effects on Peer-to-Peer Lending
dc.typeConference Paper
dc.type.dcmiText
dcterms.abstractAlthough existing literature has demonstrated that biases and preferences arising from offline group proximity manifest in online peer-to-peer lending markets and hinder lending activities, the role of biases and preferences originating from online group proximity is still unclear. Using data from Facebook and a popular peer-to-peer prosocial lending platform named Kiva, we examine how digital distance (online social connectedness barriers) affects online prosocial peer-to-peer lending behavior across states in the United States. We find that digital distance barriers between states inhibit prosocial lending between them, in addition to other offline distance-related barriers studied in the literature, such as geographical distance. Also, we find that advanced IT infrastructure can, to an extent, compensate for the negative effect of digital distance on prosocial lending. These findings suggest that online social disconnectedness creates barriers to prosocial lending, but advanced IT infrastructure can help mitigate these barriers.
dcterms.extent8 pages
prism.startingpage4106

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