Regulating Fintech Based Peer-To-Peer Lending: A New Approach to SME Financing
| dc.contributor.advisor | Hutchison, Andrew | |
| dc.contributor.author | Chitaka, Netsai | |
| dc.date.accessioned | 2023-03-01T12:57:46Z | |
| dc.date.available | 2023-03-01T12:57:46Z | |
| dc.date.issued | 2022 | |
| dc.date.updated | 2023-02-20T12:24:49Z | |
| dc.description.abstract | Peer-to-peer (P2P) lending enables borrowers to obtain loans directly from lenders, without the need of a financial institution as an intermediary. The rising use of financial technology has increased the global adoption of P2P lending as an alternative to traditional unsecured lending. In contrast, hostile regulations (specifically within the National Credit Act) have created barriers preventing the scaling of local digital lending platforms. The goal of this research is to examine the role of P2P lending as potential funding solution for small and medium-sized enterprises (SMEs) struggling to access funding in an unbalanced credit market. This issue will be investigated with comparative reference to the varying regulatory positions that have been implemented in the United Kingdom, Belgium, China and Mauritius respectively. This study will advocate for the introduction of a regulatory sandbox in which P2P lending activities may be tested in a controlled environment under regulatory supervision. The results of this research aim to provide guidance for the implementation of a sustainable South African FinTech regulatory framework that would increase SMEs access to capital and manage risks in a way that does not stifle the development of this fast-growing innovative lending industry. | |
| dc.identifier.apacitation | Chitaka, N. (2022). <i>Regulating Fintech Based Peer-To-Peer Lending: A New Approach to SME Financing</i>. (). ,Faculty of Law ,Department of Commercial Law. Retrieved from http://hdl.handle.net/11427/37093 | en_ZA |
| dc.identifier.chicagocitation | Chitaka, Netsai. <i>"Regulating Fintech Based Peer-To-Peer Lending: A New Approach to SME Financing."</i> ., ,Faculty of Law ,Department of Commercial Law, 2022. http://hdl.handle.net/11427/37093 | en_ZA |
| dc.identifier.citation | Chitaka, N. 2022. Regulating Fintech Based Peer-To-Peer Lending: A New Approach to SME Financing. . ,Faculty of Law ,Department of Commercial Law. http://hdl.handle.net/11427/37093 | en_ZA |
| dc.identifier.ris | TY - Master Thesis AU - Chitaka, Netsai AB - Peer-to-peer (P2P) lending enables borrowers to obtain loans directly from lenders, without the need of a financial institution as an intermediary. The rising use of financial technology has increased the global adoption of P2P lending as an alternative to traditional unsecured lending. In contrast, hostile regulations (specifically within the National Credit Act) have created barriers preventing the scaling of local digital lending platforms. The goal of this research is to examine the role of P2P lending as potential funding solution for small and medium-sized enterprises (SMEs) struggling to access funding in an unbalanced credit market. This issue will be investigated with comparative reference to the varying regulatory positions that have been implemented in the United Kingdom, Belgium, China and Mauritius respectively. This study will advocate for the introduction of a regulatory sandbox in which P2P lending activities may be tested in a controlled environment under regulatory supervision. The results of this research aim to provide guidance for the implementation of a sustainable South African FinTech regulatory framework that would increase SMEs access to capital and manage risks in a way that does not stifle the development of this fast-growing innovative lending industry. DA - 2022_ DB - OpenUCT DP - University of Cape Town KW - Commercial Law LK - https://open.uct.ac.za PY - 2022 T1 - Regulating Fintech Based Peer-To-Peer Lending: A New Approach to SME Financing TI - Regulating Fintech Based Peer-To-Peer Lending: A New Approach to SME Financing UR - http://hdl.handle.net/11427/37093 ER - | en_ZA |
| dc.identifier.uri | http://hdl.handle.net/11427/37093 | |
| dc.identifier.vancouvercitation | Chitaka N. Regulating Fintech Based Peer-To-Peer Lending: A New Approach to SME Financing. []. ,Faculty of Law ,Department of Commercial Law, 2022 [cited yyyy month dd]. Available from: http://hdl.handle.net/11427/37093 | en_ZA |
| dc.language.rfc3066 | eng | |
| dc.publisher.department | Department of Commercial Law | |
| dc.publisher.faculty | Faculty of Law | |
| dc.subject | Commercial Law | |
| dc.title | Regulating Fintech Based Peer-To-Peer Lending: A New Approach to SME Financing | |
| dc.type | Master Thesis | |
| dc.type.qualificationlevel | Masters | |
| dc.type.qualificationlevel | LLM |