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The bane of P2P lending: credit scoring governance on the ASEAN fintech triumvirate

Dini Rosdini (Department of Accounting, Faculty of Economics and Business, Padjadjaran University, Bandung, Indonesia)
Ersa Tri Wahyuni (Department of Accounting, Faculty of Economics and Business, Padjadjaran University, Bandung, Indonesia)
Prima Yusi Sari (Department of Accounting, Faculty of Economics and Business, Padjadjaran University, Bandung, Indonesia)

Journal of Science and Technology Policy Management

ISSN: 2053-4620

Article publication date: 13 September 2022

89

Abstract

Purpose

This study aims to explore credit scoring regulations, governance, variables and methods used by peer-to-peer (P2P) lending platforms in key players of the Association of Southeast Asian Nations (ASEAN) region’s P2P, Indonesia, Malaysia and Singapore.

Design/methodology/approach

This study explores the P2P Lending characteristics of the three countries using qualitative literature review, interview, focus group discussion and desk research.

Findings

This study concludes that the credit scoring variables used by the countries’ companies are almost the same. Key drivers of the differences are countries’ regulations, management/business core value and credit scoring data processing methods.

Practical implications

Ultimately, this research provides a comprehensive view for investors, businesses and researchers on the topic of ASEAN credit scoring governance and will help them navigate the complexities and improve their awareness on the importance of credit scoring governance in P2P lending companies.

Originality/value

This research provides an in-depth perspective on how P2P lending companies, credit scoring governance and regulations in the biggest three countries in Southeast Asia.

Keywords

Acknowledgements

This research acknowledges the contribution of the Indonesian Directorate General of Higher Education of the Ministry of Education and Culture (Kementerian Pendidikan dan Kebudayaan Republik Indonesia Pendidikan Tinggi “Kemdikbud Dikti”) and the Indonesian Financial Technology (Fintech) Lending Company Association (AFPI).

Citation

Rosdini, D., Wahyuni, E.T. and Sari, P.Y. (2022), "The bane of P2P lending: credit scoring governance on the ASEAN fintech triumvirate", Journal of Science and Technology Policy Management, Vol. ahead-of-print No. ahead-of-print. https://doi.org/10.1108/JSTPM-02-2022-0043

Publisher

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Emerald Publishing Limited

Copyright © 2020, Emerald Publishing Limited

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