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[{"key": "dc.contributor.advisor", "value": "Marttiin, Pentti", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Mustalahti, Jaakko", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2021-11-26T06:46:51Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2021-11-26T06:46:51Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2021", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/78798", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Finanssiteknologia kehitt\u00e4\u00e4 rahoitusalaa nopeasti ja uusia toimintamalleja syntyy innovaatioiden seurauksena. Alaa horjuttava vertaislainaaminen kasvattaa marginaaliaan rahoitussektorilla, mutta kirjallisuus selitt\u00e4\u00e4 vain v\u00e4h\u00e4n muutoksen taustalla ilmentyvi\u00e4 tekij\u00f6it\u00e4. T\u00e4m\u00e4 tutkielma kokoaa tutkimusyhteis\u00f6n aiemmat l\u00f6yd\u00f6kset vertais- ja pankkilainaamisen ristijoustosta ja testaa sen selitt\u00e4v\u00e4n\u00e4 tekij\u00e4n\u00e4 markkinoiden kypsyytt\u00e4 Yhdysvalloissa, Saksassa ja Kiinassa. Hypoteesia, jonka mukaan markkinoiden kypsyys yksinomaan selitt\u00e4\u00e4 vertais- ja pankkilainojen ristijouston ilmentyv\u00e4n substituutteina kehittyneill\u00e4 ja komplementteina kehittyvill\u00e4 markkinoilla, testattiin laatimalla kuvaileva kirjallisuuskatsaus eteen- ja taaksep\u00e4in haun menetelmi\u00e4 hy\u00f6dynt\u00e4en. Aihetta k\u00e4sittelevien tutkimuksien tuloksista koottiin taulukko ja havaittiin markkinoiden kypsyyden ainakin osittain selitt\u00e4v\u00e4n kohteiden ristijoustoa. Yhdysvalloissa kohteiden v\u00e4lill\u00e4 havaittiin p\u00e4\u00e4s\u00e4\u00e4nt\u00f6isesti substituutiovaikutus, mutta my\u00f6s komplementtivaikutus pienlainasektorilla. Saksassa kohteet toimivat tasaisesti niin substituutteina kuin komplementteina. Kiinassa kohteet toimivat p\u00e4\u00e4s\u00e4\u00e4nt\u00f6isesti komplementteina. Hypoteesi kuitenkin hyl\u00e4ttiin, sill\u00e4 vertais- ja pankkilainojen ristijoustoa ei yksinomaan pysty selitt\u00e4m\u00e4\u00e4n markkinoiden kypsyydell\u00e4. Tutkimustulokset osoittavat, ett\u00e4 tutkimuskohteiden v\u00e4linen ristijousto vaihtelee eri markkinoilla. Selitt\u00e4\u00e4kseen tutkimusongelmaa tarkemmin, on jatkotutkimusten otettava huomioon markkinoiden kypsyyden lis\u00e4ksi muitakin tekij\u00f6it\u00e4, kuten lainanottajien sosioekonominen asema ja rahoitusalan tietoj\u00e4rjestelmien merkitys.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "FinTech develops the financial sector rapidly and as a result of novel innovations, new operating models are emerging. Peer-to-peer lending is increasing its margin in the financial sector while very little is known about the factors behind the change. This thesis summarizes the research community\u2019s previous findings on the cross-elasticity between peer-to-peer loans and bank credit and performs a test to determine whether the maturity of observed market could be employed as an explaining factor for the cross-elasticity in the United States, Germany, and China. To test the hypothesis that market maturity solely explains the crosselasticity between test subjects to equal substitute in developed and complement in emerging economies, a descriptive literature review using forward and reverse search methods was conducted. A table was provided to summarize the results of cross-elasticity between test subjects. These results suggest that market maturity may partially explain the cross-elasticity between test subjects. In the United States, test subjects act as substitutes in general, but as complements in the microcredit sector. In Germany, test subjects act both as substitutes and as complements evenly. In China, test subjects act mainly as complements. However, the hypothesis was rejected because the cross-elasticity between peerto- peer loans and bank credit cannot be explained alone by market maturity. These research results suggest that cross-elasticity between test subjects varies in different economies. In order to provide more detailed results, future research should take into account factors other than market maturity. For example, the socio-economic status of borrowers and the impact of information systems utilized in novel innovations could be employed as explaining factors.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Paivi Vuorio (paelvuor@jyu.fi) on 2021-11-26T06:46:51Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2021-11-26T06:46:51Z (GMT). No. of bitstreams: 0\n Previous issue date: 2021", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "30", "language": "", "element": "format", "qualifier": "extent", "schema": "dc"}, {"key": "dc.language.iso", "value": "fin", "language": null, "element": "language", "qualifier": "iso", "schema": "dc"}, {"key": "dc.rights", "value": "In Copyright", "language": "en", "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.subject.other", "value": "finanssiteknologia", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "fintech", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "vertaislainaaminen", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "p2p", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "ristijousto", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Finanssiteknologia ja vertaislainat : substituutti vai komplementti perinteisille pankkilainoille?", "language": "", "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "bachelor thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-202111265805", "language": "", "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Bachelor's thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Kandidaatinty\u00f6", "language": "fi", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Informaatioteknologian tiedekunta", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Faculty of Information Technology", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Informaatioteknologia", "language": "fi", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Information Technology", "language": "en", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "Jyv\u00e4skyl\u00e4n yliopisto", "language": "fi", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "University of Jyv\u00e4skyl\u00e4", "language": "en", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Tietoj\u00e4rjestelm\u00e4tiede", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Information Systems Science", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "yvv.contractresearch.funding", "value": "0", "language": "", "element": "contractresearch", "qualifier": "funding", "schema": "yvv"}, {"key": "dc.type.coar", "value": "http://purl.org/coar/resource_type/c_7a1f", "language": null, "element": "type", "qualifier": "coar", "schema": "dc"}, {"key": "dc.rights.accesslevel", "value": "openAccess", "language": null, "element": "rights", "qualifier": "accesslevel", "schema": "dc"}, {"key": "dc.type.publication", "value": "bachelorThesis", "language": null, "element": "type", "qualifier": "publication", "schema": "dc"}, {"key": "dc.subject.oppiainekoodi", "value": "601", "language": "", "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "innovaatiot", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "rahoitusala", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "lainat", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "rahoitus", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://rightsstatements.org/page/InC/1.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}]
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