Buy Now Pay Later (BNPL), a short-term interest-free consumer credit solution, is increasing in popularity in the US. However, despite explosive growth in sales volumes, none of the pure-play BNPL ...

Journal of Management Information Systems, Vol. 34, No. 2 (2017), pp. 401-424 (24 pages) This study examines the predictive power of self-disclosed social media information on borrowers’ default in ...

Online lending provides a means of fast financing for borrowers based on their creditworthiness. However, borrowers may undermine this agreement due to early repayment or default, which are two major ...

The credit quality of an entity is essential information that reflects that entity’s financial health and its ability to meet debt obligations. Credit quality can be expressed as a credit score, but ...