This paper establishes an objective and comprehensive evaluation index system of online P2P lending platforms based on the online P2P lending theory with the Analytic Hierarchy Process in the perspective of lenders. It also makes the empirical analysis which takes ten P2P platforms as examples. The results show that the evaluation system is scientific and reasonable, which can provide reference...

Gender discrimination in accessing financial resources is a mounting concern in developing countries, but empirical evidence of such discrimination is limited. Using data collected from PPdai.com, one of the largest P2P lending platforms in China, we investigate potential gender discrimination in online P2P credit lending market in China. The results illustrate that female borrowers are more li...

Peer-to-peer applications (P2P) are no longer limited to home users, and start being accepted in academic and corporate environments. While file sharing and instant messaging applications are the most traditional examples, they are no longer the only ones benefiting from the potential advantages of P2P networks. For example, network file storage, data transmission, distributed computing, and co...

would like to take this opportunity to thank all the people that supported me during this time personally and professionally. First of all, I would like thank Prof. Jochen Schiller who has been my primary adviser over the past three years. Without his support and inspiration as well as the confidence and freedom that he has given me to pursue my ideas, this work would never have been possible. ...

This paper identifies the foundations for an architectural description language (ADL) to specify multi-agent system architectures for information systems. We propose a set of system architectural concepts based on the BDI agent model and existing classical ADLs. We then conceptualize SKwyRL-ADL, aimed at capturing a “core” set of structural and behavioral concepts, including relationships that ...

The field of peer-to-peer reputation systems has exploded in the last few years. Our goal is to organize existing ideas and work to facilitate system design. We present a taxonomy of reputation system components, their properties, and discuss how user behavior and technical constraints can conflict. In our discussion, we describe research that exemplifies compromises made to deliver a useable, ...

As more and more applications with dynamic files are introduced in peer-to-peer (P2P) systems, file consistency maintenance becomes important. In this paper, we propose a novel file consistency maintenance algorithm, called Update P ropagation Through Replica Chain (UPTReC), for decentralized and unstructured peer-to-peer (P2P) systems. UPTReC provides a probabilistically guaranteed file consis...