Publications related to Peer-to-peer lending

Promoting synergies for sustainability through peer-to-peer sharing: an analysis of drivers and barriers

Claudia Rebeca Binder Signer, Ralph Hansmann

Peer-to-peer (P2P) sharing may foster sustainability synergistically by saving resources, reducing costs and promoting satisfaction of consumer needs and social connectivity. A survey of Swiss and Swedish consumers (N = 1522) was conducted to analyze drive ...

TAYLOR & FRANCIS INC2023

FinTech Lending

Andreas Fuster

In this article, we review the growing literature on financial technology (FinTech) lending-the provision of credit facilitated by technology that improves the customer-lender interaction or used in lenders' screening and monitoring of borrowers. FinTech l ...

ANNUAL REVIEWS2022

Policy-based Exploration of Equilibrium Representations (PEER): A topology grammar for generative conceptual structural design

Ioannis Mirtsopoulos

Design exploration is a creative process that consists of the incremental generation of design candidates. Supported by digital means or not, the process handles the ill-structured nature of design and allows creativity to flourish through diversity of des ...

EPFL2022

The Economics of Sharing Markets

Maryam Razeghian Jahromi

Sharing and redistributing assets between individuals has become a noticeable part of the economy. Ownership is no longer the sole mode of consumption and consumers have the option of choosing between ownership and access-based consumption. This change in ...

EPFL2017

Essays in Financial Economics

Christoph Helmut Peter Herpfer

This thesis contains four chapters, each of which utilizes new or unusual data sources to analyze a different area of financial economics. In the first chapter, I construct a novel dataset linking individual bankers to large borrowers in the U.S. syndicate ...

EPFL2017

OpenBuildNet Framework for Distributed Co-Simulation of Smart Energy Systems

Colin Neil Jones, Tomasz Tadeusz Gorecki, Faran Ahmed Qureshi, Altug Bitlislioglu, Xuan Truong Nghiem

The complexity and diversity of future energy systems will require co-simulation solutions that enable the integration of tools from multiple domains for research and development. We introduce an open-source framework, OpenBuildNet, for distributed co-simu ...

2016

Credit Supply and the Macroeconomy : An Empirical Analysis of Capital Regulation, Bank Lending, and Firm Behavior

Abhik Mukherjee

The policy response to the recent financial crisis has broadly focused on two themes: 1) Increasing the banking sectorsâ resilience to future financial shocks: 2) Improving credit availability to households and firms via lowering both short and long-term ...

EPFL2016

Designing peer-to-peer overlays : a small-world perspective

Sarunas Girdzijauskas

The Small-World phenomenon, well known under the phrase "six degrees of separation", has been for a long time under the spotlight of investigation. The fact that our social network is closely-knitted and that any two people are linked by a short chain of a ...

EPFL2009

Utility-based Packet Scheduling in P2P Mesh-based Multicast

Pascal Frossard

We consider streaming video content over an overlay network of peer nodes. We propose a novel streaming strategy that is built on utility-based packet scheduling and proportional resource sharing in order to fight against free- riders. Each of the peers em ...

2009

Implementing a P2P Social Network - Early Experiences and Insights from PeerSoN

Anwitaman Datta, Sonja Buchegger

To address privacy concerns in Online Social Networks (OSNs), we propose to use a distributed, peer-to-peer approach coupled with encryption. To verify the feasibility of such an approach, we designed a two-tiered architecture and protocols that recreate t ...

2009

Reputation Systems for Self-Organized Networks

Jean-Yves Le Boudec, Jochen Mundinger, Sonja Buchegger

Self-organized networks such as mobile ad-hoc, Internet-based peer-to-peer, wireless mesh and Fourth Generation (4G) Wireless networks depend on cooperation of nodes. Reputation systems help nodes decide with whom to cooperate and which nodes to avoid. The ...

2008

Emergent semantics : rethinking interoperability for large scale decentralized information systems

Philippe Cudré-Mauroux

In the past, the problem of semantic interoperability in information systems was mostly solved by means of centralization, both at a system and at a logical level. This approach has been successful to a certain extent, but offers limited scalability and fl ...

EPFL2007

Improving the Throughput of Distributed Hash Tables Using Congestion-Aware Routing

Jean-Yves Le Boudec, Karl Aberer, Fabius Klemm, Dejan Kostic

Advanced applications for Distributed Hash Tables (DHTs), such as Peer-to-Peer Information Retrieval, require a DHT to quickly and efficiently process a large number (in the order of millions) of requests. In this paper we study mechanisms to optimize the ...

2007

SoS: self-organizing substrates

Anwitaman Datta

Large-scale networked systems often, both by design or chance exhibit self-organizing properties. Understanding self-organization using tools from cybernetics, particularly modeling them as Markov processes is a first step towards a formal framework which ...

EPFL2006

A Peer-to-Peer Architecture for Information Retrieval Across Digital Library Collections

Karl Aberer, Martin Rajman, Fabius Klemm, Vinh Toan Luu, Ivana Podnar

Peer-to-peer networks have been identified as promising architectural concept for developing search scenarios across digital library collections. Digital libraries typically offer sophisticated search over their local content, however, search methods invol ...

Springer2006

Building trust-aware P2P systems : from trust and reputation management to decentralized e-commerce applications

Zoran Despotovic

This thesis is concerned with enabling e-commerce applications in decentralized environments, P2P networks in particular. The work goes along the following two dimensions: P2P reputation systems design and building P2P e-commerce services and applications. ...

EPFL2005

Distributed Reputation Systems for Internet-based Peer-to-Peer Systems and Mobile Ad-Hoc Networks

Jean-Yves Le Boudec, Jochen Mundinger, Sonja Buchegger

Reputation systems are widely and successfully used in centralized scenarios. Will they work equally well, however, in decentralized scenarios such as Internet-based peer-to-peer systems and mobile ad hoc networks? ...

2005

Dynamic and fault-tolerant cluster management

Recent decentralised event-based systems have focused on providing event delivery which scales with increasing number of processes. While the main focus of research has been on ensuring that processes maintain only a small amount of information on maintain ...

2005

Aggregation of a Term Vocabulary for Peer-to-Peer Information Retrieval: a DHT Stress Test

Karl Aberer, Fabius Klemm

There has been an increasing research interest in developing full-text retrieval based on peer-to-peer (P2P) technology. So far, these research efforts have largely concentrated on efficiently distributing an index. However, ranking of the results retrieve ...

2005

Denial-of-service resilience in peer-to-peer file sharing systems

Willy Zwaenepoel, Dan Mihai Dumitriu

Peer-to-peer (p2p) file sharing systems are characterized by highly replicated content distributed among nodes with enormous aggregate resources for storage and communication. These properties alone are not sufficient, however, to render p2p networks immun ...

2005