The alternative lending market

: enhancing effectiveness and efficiency in peer-to-peer lending platform ecosystems

Abstract

The rapid growth of platform ecosystems presents opportunities and challenges for the alternative lending industry. This study investigates managerial strategies linked to enhancing efficiency and effectiveness within these platform ecosystems. Drawing on a comprehensive literature review and qualitative interviews with ten industry experts, this research explores new avenues for products, services, and collaborative partnerships within peer-to-peer lending platform ecosystems. The findings reveal that managers have the potential to elevate efficiency through the advancement of a platform’s technical facets and the integration of innovative technologies into the lending platform. Additionally, managers can pursue novel lending products, orchestrate new strategic partnerships, or engage in service collaborations to further enhance overall effectiveness of the peer-to-peer lending platform ecosystem. This research makes a significant contribution to the field by providing actionable insights for the various participants within a platform ecosystem. By embracing these recommendations, managers can navigate the evolving landscape of peer-to-peer lending, ultimately promoting sustainable growth and stability.

Date of Award	25 Oct 2023
Original language	English
Awarding Institution	Universidade Católica Portuguesa
Supervisor	Filipa Andrêa Godinho de Lancastre Serpa Pinto (Supervisor)