Case IV: PPDAI: Navigating the Digital Finance Landscape
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PPDAI was China’s first online platform for unsecured credit-based P2P lending (peer to peer lending). PPDAI had three unique features that made it different from other Chinese P2P platforms: (1) As an intermediary agency between investors and borrowers, it did not get involved in any fund transactions, nor did it provide any kind of guarantee for investors. Instead, it charged commissions on services such as information matching and tools offering.
This case was written by Prof. Zhu Xiaoming, case writer Zhu Qiong, research fellow Ni Yingzi, and research assistant Huang Chengyan. The case writing was supported by PPDAI.
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