University of Twente Student Theses
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Assessing the FAIRness of Credit Risk Assessment : A Comparative Study of Traditional Banks and P2P Lending Platforms
Koerselman, Noah (2025) Assessing the FAIRness of Credit Risk Assessment : A Comparative Study of Traditional Banks and P2P Lending Platforms.
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| Abstract: | This thesis examines the data management practices of traditional banks and Peer-to-Peer (P2P) lending platforms by assessing their alignment with the FAIR principles. A systematic evaluation framework was developed and applied using both publicly available documentation and survey responses from one traditional financial institution and one alternative finance institution. Findings reveal that neither institution fully complies with all aspects of the FAIR principles. Both traditional banks and P2P lending platforms perform well in Findability and basic Interoperability. However, significant differences arise in Accessibility. While traditional banks benefit from regulatory frameworks, their internal practices lag in areas such as open protocols and durable metadata storage, resulting in a lower alignment with Accessibility. In contrast, P2P lending platforms show stronger internal alignment with Accessibility through the use of open protocols and durable metadata infrastructure. Reusability remains a challenge for both sectors, primarily due to incomplete systematic provenance tracking. The study concludes that while traditional banks benefit from regulatory frameworks and established governance structures, P2P lending platforms may be ahead in some aspects of FAIR alignment, particularly in internal Accessibility. The research highlights the importance of harmonized standards and suggests targeted improvements for both sectors to enhance FAIR compliance. |
| Item Type: | Essay (Master) |
| Faculty: | EEMCS: Electrical Engineering, Mathematics and Computer Science |
| Subject: | 85 business administration, organizational science |
| Programme: | Business Information Technology MSc (60025) |
| Link to this item: | https://purl.utwente.nl/essays/107544 |
| Export this item as: | BibTeX EndNote HTML Citation Reference Manager |
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