Answer the following questions after reading the article “The roles of alternative data and machine learning in fintech lending: Evidence from the Lending Club consumer platform Download The roles of alternative data and machine learning in fintech lending: Evidence from the Lending Club consumer platform”. You may also reference other publications of your choice.
Please do not exceed 2 pages (double-spaced, font size 12pt). Please use proper citation methods to avoid plagiarism.
In the article “The roles of alternative data and machine learning in fintech lending: Evidence from the Lending Club consumer platform”, the authors referenced many previous studies on using alternative data for profiling loan applicants. List three referenced studies that you think are the most useful. Using your own words, explain why they are your preferred methods. (12%)
How does the Lending Club or similar P2P lending platforms create value for borrowers? How do they do so for investors? What did the Lending Club or similar P2P lending platforms do to make it easier to attract borrowers and investors? (8%)
What are the challenges P2P lending platforms are facing? You can access the financial reportings of Lending Club hereLinks to an external site..
Read the last 3 filings (10Q/10K) and pay close attention to the ‘Management’s Discussion and Analysis’ section. Describe the recent developments and trends in the P2P lending space and specifically Lending Club. (30%)
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