Public Values of Trustworthy Peer-To-peer (P2P) Lending System

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Abstract

Governments want to improve the economy by extending the market of financial credit. Recently, Peer-To-peer (P2P) lending credit scoring systems have gained more attention for advancing society; however, the role of governments in ensuring fair access to such a system is not known. This work aims to understand better the public values for trustworthy P2P lending systems. Public values should provide the basis to which a P2P lending system should adhere. Credit scoring in P2P lending is not merely about the technology in creating a profitable system for all participants. Several public values are of relevance. Understanding credit scoring in P2P lending is crucial to ensure inclusiveness, trustworthiness, fairness, equal treatment, and accountability.
Original languageEnglish
Title of host publicationProceedings of the 23rd Annual International Conference on Digital Government Research
Subtitle of host publicationIntelligent Technologies, Governments and Citizens, DGO 2022
EditorsLoni Hagen, Mihkel Solvak, Sungsoo Hwang
PublisherAssociation for Computing Machinery (ACM)
Pages464-465
Number of pages2
ISBN (Electronic)978-1-4503-9749-0
DOIs
Publication statusPublished - 2022
Event23rd Annual International Conference on Digital Government Research: Intelligent Technologies, Governments and Citizens, DGO 2022 - Virtual, Online, Korea, Republic of
Duration: 15 Jun 202217 Jun 2022

Publication series

NameACM International Conference Proceeding Series

Conference

Conference23rd Annual International Conference on Digital Government Research: Intelligent Technologies, Governments and Citizens, DGO 2022
Country/TerritoryKorea, Republic of
CityVirtual, Online
Period15/06/2217/06/22

Bibliographical note

Green Open Access added to TU Delft Institutional Repository ‘You share, we take care!’ – Taverne project https://www.openaccess.nl/en/you-share-we-take-care Otherwise as indicated in the copyright section: the publisher is the copyright holder of this work and the author uses the Dutch legislation to make this work public.

Keywords

  • Credit scoring
  • P2P lending
  • Public values
  • Trustworthy AI

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