scholarly journals A Model for Lender-Borrower Trust in Peer-To-Peer Lending

2018 ◽  
Vol 9 (1) ◽  
pp. 15
Author(s):  
Dyah Wahyu Sukmaningsih
Keyword(s):  
Social Capital ◽  
Elaboration Likelihood Model ◽  
Soft Information ◽  
Financial Data ◽  
Trust Building ◽  
Elaboration Likelihood ◽  
Hard Information ◽  
Likelihood Model ◽  
Peer Lending ◽  
Determinant Factor

This research examined factors that influenced lender’s trust towards the borrower. The peerto-peer lending platform facilitated lending mechanism between lender and borrower. However, the loan was often considered as an unsecured loan, since there was a lack of traditional financial data. Using literature review, this research analyzed the determinant factor to establish trust between borrower and lender. Based on Elaboration Likelihood Model (ELM), the result of this research proposes a model for trust building between lender and borrower. The model categorizes information to establish trust into hard information, soft information, and social capital.

Understanding online health community users' information adoption intention: an elaboration likelihood model perspective

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Tao Zhou
Keyword(s):  
User Behavior ◽  
Source Credibility ◽  
Elaboration Likelihood Model ◽  
Elaboration Likelihood ◽  
Content Type ◽  
Peripheral Cues ◽  
Likelihood Model ◽  
Adoption Intention ◽  
Information Adoption ◽  
Central Cues

PurposeThe purpose of this research is to draw on the elaboration likelihood model (ELM) to examine users' information adoption intention in online health communities (OHC).Design/methodology/approachThe authors collected 350 valid responses using a survey and conducted the moderated regression analysis to examine the research model.FindingsThe results indicated that users' information adoption intention is influenced by both central cues (argument quality) and peripheral cues (source credibility and emotional support). In addition, self-efficacy moderates the effect of both central cues and peripheral cues on information adoption intention.Originality/valuePrevious research has focused on the effect of individual motivations such as reciprocity and benefits on user behavior, and has seldom disclosed the influencing process of external factors on OHC users' behavioral decision. This research tries to fill the gap by adopting ELM to uncover the mechanism underlying OHC users' information adoption.

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