Sahiba Khan, Ranjit Singh, H. Kent Baker, Gomtesh Jain
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引用次数: 0
摘要
本研究通过采用主题建模和情感分析,研究了印度 P2P 借贷应用程序(应用程序)评论中传达的重要主题和客户情感。研究对象为 LenDenClub、Faircent、i2ifunding、India Money Mart 和 Lendbox。通过使用潜在德里希特分配(Latent Dirichlet Allocation),我们确定并标记了 11 个主题:申请、文件、默认、登录、拒绝、服务、CIBIL、OTP、回报、界面和提款。情感分析工具 VADER 显示,大多数用户对这些应用程序持积极态度。我们还对五款应用程序的整体情况和特定主题进行了比较。总体而言,LenDenClub 的正面评价比例最高。我们还比较了六种机器学习模型的预测能力。Logistic 回归在所有三种特征提取技术(词包、词频-反文档频率和散列)中都表现出较高的准确性。这项研究有助于借款人和贷款人选择最合适的应用程序,并支持 P2P 网络借贷平台认识自身的优缺点。
Public Perception of Online P2P Lending Applications
This study examines significant topics and customer sentiments conveyed in reviews of P2P lending applications (apps) in India by employing topic modeling and sentiment analysis. The apps considered are LenDenClub, Faircent, i2ifunding, India Money Mart, and Lendbox. Using Latent Dirichlet Allocation, we identified and labeled 11 topics: application, document, default, login, reject, service, CIBIL, OTP, returns, interface, and withdrawal. The sentiment analysis tool VADER revealed that most users have positive attitudes toward these apps. We also compared the five apps overall and on specific topics. Overall, LenDenClub had the highest proportion of positive reviews. We also compared the prediction abilities of six machine-learning models. Logistic Regression demonstrates high accuracy with all three feature extraction techniques: bag of words, term frequency-inverse document frequency, and hashing. The study assists borrowers and lenders in choosing the most appropriate application and supports P2P lending platforms in recognizing their strengths and weaknesses.
期刊介绍:
The Journal of Theoretical and Applied Electronic Commerce Research (JTAER) has been created to allow researchers, academicians and other professionals an agile and flexible channel of communication in which to share and debate new ideas and emerging technologies concerned with this rapidly evolving field. Business practices, social, cultural and legal concerns, personal privacy and security, communications technologies, mobile connectivity are among the important elements of electronic commerce and are becoming ever more relevant in everyday life. JTAER will assist in extending and improving the use of electronic commerce for the benefit of our society.