Submitted by Julian Lilienthal (julian.driest@gmail.com) on 2016-04-03T12:59:49Z No. of bitstreams: 1 PEER TO PEER LENDING AND FINANCIAL INCLUSION IN BRAZIL, A CASE STUDY FINAL.pdf: 997337 bytes, checksum: 1ee7d00add32fb72feb7940e4cfef7d2 (MD5) / Rejected by Ana Luiza Holme (ana.holme@fgv.br), reason: Dear Julian, The roman number shouldn't appear in te thesis. The Acknowledgements should be before the abtract and i shouldn't be in the same page as the abstract,the abstract in one page and the Acknowledgements in another. The resumo in Portuguese is missing. The List of Tables, Figures and Abreviations should also be each one in different pages, it can't be all in the same page. The pages numbers should count fro the first page but only appear in the introdution, ex: In trodution is page 10, so the number 10 should appear in the introduction. on 2016-04-04T12:36:08Z (GMT) / Submitted by Julian Lilienthal (julian.driest@gmail.com) on 2016-04-04T14:15:50Z No. of bitstreams: 1 PEER TO PEER LENDING AND FINANCIAL INCLUSION IN BRAZIL, A CASE STUDY FINAL 04042016.pdf: 999717 bytes, checksum: 5c8442f8d971643744abe9447360c341 (MD5) / Rejected by Ana Luiza Holme (ana.holme@fgv.br), reason: Dear Julian, The title of the thesis shouldn't appear in the ficha catalográfica, only the box should appear. The Resumo and the abstract should be in different s pages, abstract in one and the resumo in another Best. Ana Luiza Holme 37993492 on 2016-04-04T14:22:19Z (GMT) / Submitted by Julian Lilienthal (julian.driest@gmail.com) on 2016-04-04T15:46:42Z No. of bitstreams: 1 PEER TO PEER LENDING AND FINANCIAL INCLUSION IN BRAZIL, A CASE STUDY FINAL 04042016.pdf: 1001560 bytes, checksum: 199b70b68f2afb1a0de646272d22c218 (MD5) / Rejected by Ana Luiza Holme (ana.holme@fgv.br), reason: Dear Julian, I just notice now that the key words (palavra chave) is missing should be below the abstract and the resumo. Abstract - key words Resumo - palavras chave I'm sorry for not noticing before. Ana Luiza Holme 37993492 on 2016-04-04T16:09:48Z (GMT) / Submitted by Julian Lilienthal (julian.driest@gmail.com) on 2016-04-04T20:13:25Z No. of bitstreams: 1 PEER TO PEER LENDING AND FINANCIAL INCLUSION IN BRAZIL, A CASE STUDY FINAL 04042016.pdf: 1001786 bytes, checksum: ea34836da8fa02a0d5ff2acdf361ea26 (MD5) / Approved for entry into archive by Ana Luiza Holme (ana.holme@fgv.br) on 2016-04-05T12:07:14Z (GMT) No. of bitstreams: 1 PEER TO PEER LENDING AND FINANCIAL INCLUSION IN BRAZIL, A CASE STUDY FINAL 04042016.pdf: 1001786 bytes, checksum: ea34836da8fa02a0d5ff2acdf361ea26 (MD5) / Made available in DSpace on 2016-04-05T12:22:35Z (GMT). No. of bitstreams: 1 PEER TO PEER LENDING AND FINANCIAL INCLUSION IN BRAZIL, A CASE STUDY FINAL 04042016.pdf: 1001786 bytes, checksum: ea34836da8fa02a0d5ff2acdf361ea26 (MD5) Previous issue date: 2016-03-04 / While pursuing the objective to investigate the potential for the P2P innovation to enhance financial inclusion in Brazil, the P2P industry and the current market environment were analyzed in order to highlight the factors that can facilitate this desired enhancement. There seems to be no doubt that there is substantial potential for the P2P industry worldwide and in Brazil but, beyond this, a considerable part of this industry could be providing financially inclusive products. The P2P industry in Brazil needs to recognize the potential for growing, not only the industry itself, but also the market for financially inclusive P2P products. The first section of this thesis focuses on financial inclusion briefly in order to establish the frame of what is being addressed. Subsequently the P2P industry is analyzed globally, locally in Brazil and with regard to financial inclusion. The study is conducted through an interview with the founder of a P2P platform in Brazil and its data collection is used to build a case study which allowed for an analysis of the potential for financial inclusion of the P2P industry and the development of key success factors with regard to converting this potential into results. / Ao perseguir o objetivo de investigar o potencial da inovação P2P para melhorar a inclusão financeira no Brasil, a indústria de P2P e atual ambiente de mercado foram analisados a fim de destacar os fatores que podem facilitar este desenvolvimento desejado. Parece não haver dúvida de que existe um potencial significativo para a indústria de P2P no mundo e no Brasil, mas, além disso, uma parte considerável desta indústria poderia ser o fornecimento de produtos financeiramente inclusivos. A indústria de P2P no Brasil precisa reconhecer o potencial de crescimento, não só a própria indústria, mas também o mercado de produtos P2P financeiramente inclusivo. A primeira parte desta tese centra-se na inclusão financeira brevemente a fim de estabelecer o marco do que está sendo investigado. Posteriormente a indústria de P2P é analisado globalmente, localmente, no Brasil e com respeito à inclusão financeira. O estudo é realizado através duma entrevista com o fundador de uma plataforma de P2P no Brasil e a coleta de dados é usada para construir um estudo de caso que permitiu uma análise do potencial para a inclusão financeira da indústria de P2P e a identificação de fatores importantes para converter esse potencial em resultados.

金融科技之網路借貸平台(P2P Lending或Alternative Lending Platform)在互聯網、物聯網、帳聯網、大數據、社群媒體、行動科技等磅礡發展之下，有效地在存貸業務範疇之出借人和借款人匹配連結起來，在傳統金融機構無法滿足其投資與融資需求情境下，創造出嶄新的商業模式、營運模式。 本研究蒐集三個國外的個案研究：美國的Lending Club、英國的Zopa、香港的AMP，再貫穿以兩個模型分析：Mark W. Johnson等學者提出的 - 商業模式再創新 (Reinventing Your Business Model)、以及Michael E. Porter提出的 - 波特的競爭五力分析 (Porter five forces analysis)。 融合學術架構、產業實務，透析出網路借貸平台的關鍵成功因素，並萃取精華而提出對政府主管機關、金融科技平台業者、傳統金融機構之建言與芻議，期臻拋磚引玉與產業借鍳之效。