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<p>In the present FinTech age, financial products and services are delivered by various technical businesses that are not affiliated with traditional financial banking, including lending, investment, insurance, banking, etc. and have developed novel business models. P2P lending is one of those novel models substituting traditional banking institutions. P2P lending manifests how entrepreneurial finance has evolved, facilitating the transfer of funds between investors and borrowers without the need for financial institutions. P2P lending is a relatively recent development that has expanded swiftly in the last several years. While the extant literature provides valuable insights into P2P lending, its fragmented and heterogeneous character impedes a comprehensive comprehension of this field. Therefore, this work summarizes the body of existing research and suggests a framework grounded on the scientific method and justification for systematic literature review, i.e., SPAR-4SLR. This research assesses 290 articles that are listed in Web of Science indexes and ABDC JQL 2022. The bibliometric study emphasizes on research clusters and periodic publications. However, TCCM analysis offers a better understanding of the characteristics, context, applicable theories, and methods. This is a new attempt to investigate P2P lending using the stringent framework based on content analysis metrics and bibliometrics, laying the groundwork for a thorough understanding.</p>

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Decrypting peer-to-peer lending: an integrated bibliometric and content analysis approach

  • 期刊论文

  • 发表日期：

    2025年9月11日

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  • Nitin Garg,
  • G. P. Sahu

摘要

In the present FinTech age, financial products and services are delivered by various technical businesses that are not affiliated with traditional financial banking, including lending, investment, insurance, banking, etc. and have developed novel business models. P2P lending is one of those novel models substituting traditional banking institutions. P2P lending manifests how entrepreneurial finance has evolved, facilitating the transfer of funds between investors and borrowers without the need for financial institutions. P2P lending is a relatively recent development that has expanded swiftly in the last several years. While the extant literature provides valuable insights into P2P lending, its fragmented and heterogeneous character impedes a comprehensive comprehension of this field. Therefore, this work summarizes the body of existing research and suggests a framework grounded on the scientific method and justification for systematic literature review, i.e., SPAR-4SLR. This research assesses 290 articles that are listed in Web of Science indexes and ABDC JQL 2022. The bibliometric study emphasizes on research clusters and periodic publications. However, TCCM analysis offers a better understanding of the characteristics, context, applicable theories, and methods. This is a new attempt to investigate P2P lending using the stringent framework based on content analysis metrics and bibliometrics, laying the groundwork for a thorough understanding.