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The way in which the digitization of the finance industry is transforming access to finance for individuals, start-ups, SMEs or social enterprises – for example, through online platforms for crowdfunding, marketplace (peer-to-peer) lending, and third-party payment systems – has already gained prominence and attention. New regulations, changing customer expectations, and rapid advances in technology increasingly put pressures on financial services companies to digitally transform. However, our knowledge of what the digitized forms of finance are, or how they are functioning, substituting or complementing existing financial services, is sparse. There is a growing need, and a call from academics, policymakers, regulators and industry alike, to underpin these shifts with fundamental knowledge. This research theme has faculty experts working with a network of industry players and public sector organizations to address the challenges due to such technological disruption of the financial industry.


GOH Khim Yong HAHN Jungpil HUANG Ke-Wei PHAN Tuan Quang Keith Barrett CARTER Isam FAIK CHEN Nan JIN Chen Shalinda ADIKARI


  • HAHN Jungpil, “A Deep Understanding of Creator-Generated Contents in Crowdfunding: A Multi-Method Approach”, Ministry of Education Tier 1 Grant
  • HAHN Jungpil, “Unpacking the Secrets of Crowdfunding Success: Project Design and Platform Competition”, Ministry of Education Tier 1 Grant
  • PHAN Tuan Quang, “Assisted and Automated Unsecured Lending”, AI Singapore Grant

 Selected Publications

Yang, L., Wang, Z., & Hahn, J. (forthcoming). Scarcity strategy in crowdfunding: An empirical exploration of reward limit, Information Systems Research.

Chen, D., Liu, X., & Faik, I. (forthcoming). Trust building on charitable crowdfunding platforms: The case of Qfund, Proceedings of ICIS 2019, Munich.

Li, D., Chen, N., & Goh, K.Y. (forthcoming). “Selling information when attention is limited: An empirical analysis of an online investment advisory platform”, Proceedings of ICIS 2019, Munich.

Wang, Q., & Huang, K.W. (2018). Exploring the fintech jobs-skills fit of financial and information technology professionals: Evidence from LinkedIn. Proceedings of ICIS 2018, San Francisco.

Qiao, M., & Huang, K.W. (2018). Hierarchical accounting variables forecasting by deep learning methods. Proceedings of ICIS 2018, San Francisco.

Rivas, A.G., Tsyganova, M., & Mik., E. (2018). Smart contracts and their identity crisis. Proceedings of ICIS 2018, San Francisco.

Lu, X., Rivas, A.G., Bhattacharya, P., & Phan, T.Q. (2017). A PayPal for the ‘un-banked’: Analyzing mobile-based micro-cash transfers in a large developing economy. Proceedings of ICIS 2017, Seoul.

Mehrotra, R., Bhattacharya, P., Tan, T., & Phan, T.Q. (2017) Predictive power of online and offline behavior sequences: Evidence from a micro-finance context, Proceedings of ICIS 2017, Seoul.  

Yang, L., Wang, Z., Ding, Y. and Hahn, J. (2016) The Role of Online Peer-to-Peer Lending in Crisis Response: Evidence from Kiva. Proceedings of ICIS 2016 Dublin.">

Tan, T., & Phan, T.Q. (2016). Social media-driven credit scoring: The predictive value of social structures. Proceedings of ICIS 2016, Dublin.

Tan. T., Bhattacharya, P., & Phan, T.Q. (2016). Credit-worthiness prediction in microfinance using mobile data: A Spatio-network Approach. Proceedings of ICIS 2016, Dublin.