Title: Trends and developments in electronic lending: a preliminary research in Taiwan

Authors: Wen-Hsien Tsai, Bor-Yi Huang, Yi-Wen Fan, Jau-Yang Liu

Addresses: Department of Business Administration, National Central University, Jhongli 320, Taiwan. ' Department of Finance and Banking, Shih Chien University, Taipei 104, Taiwan. ' Department of Information Management, National Central University, Jhongli 320, Taiwan. ' Department of Business Administration, National Central University, Jhongli 320, Taiwan; Department of Information Management, Shih Chien University, Taipei 104, Taiwan

Abstract: This paper looked at E-LOAN benchmarking operation and reported on the issues related to the development of internet-based lending in Taiwan from an evolutionary perspective. Some driving forces for the changes and the opportunities and challenges offered by the growth of online lending business will be explored. In addition, authors not only provided a real-life Taiwanese example of how to initiate the development on the right way but also proposed a template framework with two dimensional studies. At last, this study concluded with some critical advantages and strategic factors to the case company as well as the industry generally.

Keywords: internet; driving forces; benchmarking; strategic factors; internet-based lending; online lending business; electronic finance; e-finance; e-lending; electronic lending; e-banking; electronic commerce; e-commerce; electronic banking; online banking; Taiwan.

DOI: 10.1504/IJEF.2006.010318

International Journal of Electronic Finance, 2006 Vol.1 No.2, pp.241 - 259

Published online: 14 Jul 2006 *

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