A model proposal to determine a crowd-credit-scoring

Antonio Moreno-Moreno, Emma Berenguer, Carlos Sanchís-Pedregosa

Research output: Contribution to journalArticle in a journalpeer-review

4 Scopus citations


All rights reserved. Crowdlending is gaining importance as a financial option and is democratizing access to capital markets. However, the key factors that drive investors to choose a given project requires further research. Some authors have identified certain isolated factors, but a holistic approach is needed. To fill this gap, we identified 10 success factors allowing us to build a crowdlending success model. The model leads to establishing the concept of crowd-credit-scoring, in others words, understanding which criteria “crowds” follow when lending money and how different these criteria are from those applied by banking executives. Results will be very useful to establish the crowd-credit-scoring concept. In others words, which are the criteria follow by the “crowd” to lend money and how different are this criteria to the banking executives’ ones.
Original languageEnglish
Pages (from-to)69-79
Number of pages11
JournalEconomics and Sociology
Issue number4
StatePublished - 1 Jan 2018


  • Credit scoring
  • Crowdfunding
  • Crowdlending
  • Crowdsourcing
  • Peer-to-peer


Dive into the research topics of 'A model proposal to determine a crowd-credit-scoring'. Together they form a unique fingerprint.

Cite this