The Impact of the Adoption of Peer to Peer (P2P) Lending and Regulatory Regime in Central Africa: Case Congolese lending Transition (Democratic Republic of Congo (DRC)

Kiangata, Fiston (2022) The Impact of the Adoption of Peer to Peer (P2P) Lending and Regulatory Regime in Central Africa: Case Congolese lending Transition (Democratic Republic of Congo (DRC). Masters thesis, Dublin, National College of Ireland.

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Abstract

In the era of technological innovation, the socio-technical transition approach has been widely embraced and adopted across continents in more detail the impact caused by both social and technological changes. This new financial service segments Peer-to-Peer online lending in the case of the Democratic Republic of Congo central Africa, its influence on the regulatory regime and the Congolese individual lending needs to be explored. The large research gap between the regulatory regime and the online Peer-to-Peer lending platforms in DR Congo and neighbouring countries in Central Africa remains unexplored and needs to be addressed in its socio-technical transitions aspect. The research complements the abovementioned gaps by studying and investigating Congolese individual lending, as well as the correlation that exists between internet usability, connectivity, accessibility and Peer-to-Peer online lending, and finally exploring the blockchain Technology feasibility of deploying Smart contracts between borrower and lender on the Ethereum solidity remix platform. Thus, the limitations of conducting this research are illustrated and a proposal for a future research agenda.

Item Type:	Thesis (Masters)
Uncontrolled Keywords:	Socio-Technical Transitions; Individual lending transitions; Regulatory Regime; Peer-to-Peer lending platform; Blockchain Technology; Smart Contracts; Ethereum; Solidity; Remix; MetaMask; Random Forest; XGBoost; Linear Regression; Liner Regression; Regression Model; Multi-Level Perspective; Three Level-Framework; Niche innovation
Subjects:	D History General and Old World > DT Africa H Social Sciences > HG Finance H Social Sciences > HG Finance > Credit. Debt. Loans.
Divisions:	School of Computing > Master of Science in FinTech
Depositing User:	Clara Chan
Date Deposited:	07 Nov 2022 14:04
Last Modified:	07 Nov 2022 14:04
URI:	https://norma.ncirl.ie/id/eprint/5843

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