A Key Shift in The Financial Intermediation in an Electronic Environment –Peer to Peer Lending In Romanian Economy
Peer-to-peer lending represents the oldest method of lending which was “reinvented” via Internet, near to 2005. It is
a new way to make e-commerce with money (invest and lend). The present study examines Romania as one of ECE countries
who can develop proper financial intermediation by marketplace lending. Our findings suggests the key factor for Romanian
retail and institutional investors in order to be aware about P2P lending opportunities. Moreover, we also outline the main
negative factor for that P2P lending could not efficiently function in our country.
Index Terms- sharing economy, peer-to-peer lending, financial intermediation, electronic environment, electronic platforms