Addressing information asymmetries in online peer-to-peer lending

Digital technologies are transforming how small businesses access finance and from whom. This chapter explores online peer-to-peer (P2P) lending, a form of crowdfunding that connects borrowers and lenders. Information asymmetry is a key issue in online peer-to-peer lending marketplaces that can result in moral hazard or adverse selection, and ultimately impact the viability and success of individual platforms. Both online P2P lending platforms and lenders seek to minimise the impact of information asymmetries through a variety of mechanisms. This chapter discusses the structure of online P2P lending platforms and reviews how the disclosure of hard and soft information, and herding can reduce information asymmetries. The chapter concludes with a discussion of further avenues for research

TV 3.0 : the future of TV between the priorities of changes in technology, user behaviour and content

Die Bachelorarbeit beschäftigt sich mit der Zukunft des Fernsehens unter dem Aspekt der aktuellen Entwicklungen im Bereich der Technologie, des Nutzerverhaltens und der Inhalte. Welche Auswirkungen diese Entwicklungen auf die öffentlich-rechtlichen Fernsehanstalten haben und somit das klassische Fernsehen von Bestand ist, sind weitere Fragestellungen, mit denen sich die wissenschaftliche Arbeit auseinander setzt. Bezugnehmend auf die Ergebnisse aktueller Studien zur Mediennutzung und die Einschätzungen von Medienschaffenden, wird in einem Ausblick das Fernsehen der Zukunft beschrieben

Privacy in online social lending

Abstract Online social lending is the Web 2.0's response to classical bank loans. Borrowers publish credit applications on websites which match them with private investors. We point to a conflict between economic interests and privacy goals in online social lending, empirically analyze the effect of data disclosure on credit conditions, and outline directions towards efficient yet privacy-friendly alternative credit markets

Genome-wide association study identifies two susceptibility loci for nonsyndromic cleft lip with or without cleft palate

We conducted a genome-wide association study for nonsyndromic cleft lip with or without cleft palate (NSCL/P) in 401 affected individuals and 1,323 controls, with replication in an independent sample of 793 NSCL/P triads. We report two new loci associated with NSCL/P at 17q22 (rs227731, combined P = 1.07 x 10(-8), relative risk in homozygotes = 1.84, 95% CI 1.34-2.53) and 10q25.3 (rs7078160, combined P = 1.92 x 10(-8), relative risk in homozygotes = 2.17, 95% CI 1.32-3.56)

Genome-wide meta-analyses of nonsyndromic cleft lip with or without cleft palate identify six new risk loci

We have conducted the first meta-analyses for nonsyndromic cleft lip with or without cleft palate (NSCL/P) using data from the two largest genome-wide association studies published to date. We confirmed associations with all previously identified loci and identified six additional susceptibility regions (1p36, 2p21, 3p11.1, 8q21.3, 13q31.1 and 15q22). Analysis of phenotypic variability identified the first specific genetic risk factor for NSCLP (nonsyndromic cleft lip plus palate) (rs8001641; P(NSCLP) = 6.51 × 10(-11); homozygote relative risk = 2.41, 95% confidence interval (CI) 1.84-3.16)