Online Appendices and Research Data. Inclusion-by-Design: Designing a Reference Architecture for Inclusive Lending Systems

These online appendices and research materials support the dissertation titled:
"Inclusion-by-Design: Designing a Reference Architecture for Inclusive Lending Systems."
It includes software artifacts, survey data, and simulation results.
This package consists of 13 supplementary files:
1. P2PLending.sol – Smart contract layer (Solidity)
2. P2PLendingService.js – Middleware DLT service (JavaScript)
3. P2PLendingAPI.js – Backend API layer (JavaScript)
4. Survey 287 Raw Num.csv – Anonymized survey responses (Qualtrics results)
5. Hyp A1 - add attributes.xlsx
6. Hyp A2 - Feature Weight.xlsx
7. Hyp A2 - Penalty Based.xlsx
8. Hyp A2 HFPT metric 1-2.xlsx
9. Hyp A2 HFPT metric 3-4-5.xlsx
10. Python - HypA1 - Add Attributes
11. Python - HypA2 - Feature Weight
12. Python - HypA2 - Penalty-based
13. Python - HypA2 - HFPT
14. All interview Protocols