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NOTE: Since 2009 the title of the International Journal of Entrepreneurship Education (IJEE) has been changed to the title above.  ISSN numbers: IJEE 1649-2269 and IRE 2009-2822

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ISSN Number: 2009-2822. Frequency: 4 Issues + 1 Hard Copy per year 

Article #1623 - Peer-to-Peer Lenders’ Motivations and Risks Perceptions in Cross-Border Investments in Europe

IRE Vol 18: Issue 1, 2020 (publishing soon)

Author(s): Efstathios Karpouzis (University of Piraeus, Greece), Nikolaos Daskalakis (Panteion University, Athens, Greece), Maria Psillaki (University of Piraeus, Greece) and Christos Staikouras (Athens University of Economics and Business, Greece)

This paper examines users’ perceptions of motivations and risks in p2p lending and how these are related to cross-border activity. We use survey methodology to collect responses to a detailed questionnaire sent to p2p lending platforms’ users across Europe, allowing us to differentiate between the UK and the rest of the EU. Results show that UK respondents seem to care more about higher returns and less about interest/excitement when investing via p2p lending, when compared with non-UK respondents. We also find that all risks score lower in the case of the UK respondents, a strong indication of higher levels of trust on the entire industry in the UK. On cross-border activity, we find that non-UK respondents are much more willing to invest abroad when compared with their UK counterparts and that the cross-border p2p lending flow seems to be platform-based and not project-based. Our results have important implications for all p2p lending participants, such as fund raisers and regulators.