مجلة العلوم الإدارية والمالية
Volume 7, Numéro 1, Pages 519-537
2023-06-30

Peer-to-peer Lending Platforms «p2p» As A Financial Technology Tool In Supporting Small And Medium Enterprises



Authors : Chabani Amina Yousra . Hammami Raid Imade Eddine . Barkat Mourad .

Abstract

This study aims at the role of the financial technology industry in supporting emerging small and medium enterprises by highlighting the technology of peer-to-peer “P2P” lending because of its potential in attracting customers, which is a form of crowdfunding and the most common one, which has led to create additional investment opportunities and expand the lending market compared to traditional banking, where we used the descriptive and analytical approach. Through this research, we investigated the role of “P2P” lending platforms in bridging the financing gap that emerged after the 2008 crisis through the experience of the United States of America, and their contribution to enhancing and supporting digital financing.

Keywords

fintech ; peer-to-peer lending ; emerging institutions ; crowdfunding

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