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Lyócsa, Štefan; Vašaničová, Petra; Hadji Misheva, Branka; Vateha, Marko Dávid (2022). Default or profit scoring credit systems? Evidence from European and US peer-to-peer lending markets Financial Innovation, 8(1), pp. 1-21. Springer 10.1186/s40854-022-00338-5