{"title":"The Crystal Ball of User-Generated Content: Indication of P2P Lending Platform Failure","authors":"Wenjie Huang","doi":"10.1007/s10796-023-10449-8","DOIUrl":null,"url":null,"abstract":"<p>User-generated content (UGC) provides us with a rich channel to aggregate public information. The study examines whether UGC could predict the failure of P2P lending platforms, which also depends on crowds’ involvement and contribution. Specifically, we examine a web forum with user comments on the P2P platforms and extract consumer opinion valence and opinion concentration with natural language processing (NLP) techniques. Time-dependent Cox regression analysis shows that consumer opinion has a strong prediction power for platform survival. If consumer opinions on a platform are positive and concentrated, a platform is more likely to survive. Besides, the two factors show a substitution effect to each other. This study deepens our understanding of UGC, which has significant implications for research. It also forms an application of information technology on risk assessment, by expanding the risk indicators to UGC-related information sources.</p>","PeriodicalId":13610,"journal":{"name":"Information Systems Frontiers","volume":null,"pages":null},"PeriodicalIF":6.9000,"publicationDate":"2023-11-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Information Systems Frontiers","FirstCategoryId":"94","ListUrlMain":"https://doi.org/10.1007/s10796-023-10449-8","RegionNum":3,"RegionCategory":"管理学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q1","JCRName":"COMPUTER SCIENCE, INFORMATION SYSTEMS","Score":null,"Total":0}
引用次数: 0
Abstract
User-generated content (UGC) provides us with a rich channel to aggregate public information. The study examines whether UGC could predict the failure of P2P lending platforms, which also depends on crowds’ involvement and contribution. Specifically, we examine a web forum with user comments on the P2P platforms and extract consumer opinion valence and opinion concentration with natural language processing (NLP) techniques. Time-dependent Cox regression analysis shows that consumer opinion has a strong prediction power for platform survival. If consumer opinions on a platform are positive and concentrated, a platform is more likely to survive. Besides, the two factors show a substitution effect to each other. This study deepens our understanding of UGC, which has significant implications for research. It also forms an application of information technology on risk assessment, by expanding the risk indicators to UGC-related information sources.
期刊介绍：
The interdisciplinary interfaces of Information Systems (IS) are fast emerging as defining areas of research and development in IS. These developments are largely due to the transformation of Information Technology (IT) towards networked worlds and its effects on global communications and economies. While these developments are shaping the way information is used in all forms of human enterprise, they are also setting the tone and pace of information systems of the future. The major advances in IT such as client/server systems, the Internet and the desktop/multimedia computing revolution, for example, have led to numerous important vistas of research and development with considerable practical impact and academic significance. While the industry seeks to develop high performance IS/IT solutions to a variety of contemporary information support needs, academia looks to extend the reach of IS technology into new application domains. Information Systems Frontiers (ISF) aims to provide a common forum of dissemination of frontline industrial developments of substantial academic value and pioneering academic research of significant practical impact.
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