Our research mainly uses social capital theory as our theoretical basis to investigate the effect of mobile phone activities on individuals’ repayment delinquency in online peer-to-peer lending. We propose that individuals’ mobile phone activities mainly include making (receiving) phone call, surfing online, interacting in social media, and changing (registering) phone numbers. We collected data from 10 online peer-to-peer lending in Indonesia. The results show that the number of calls, the registration time of mobile phone number and loan default show a significant negative correlation, while the number of traffic recharge, whether to install social app, the number of mobile phone number change and loan default show a significant positive correlation. This suggests that not all increases in social capital improve repayment performance. If individuals have more BOS, they are more likely to repay their debts on time.
Ou, yuechen; Wang, le; Yang, Hualong; and Hu, Zhibin, "Does social capital influence individuals’ repayment default? Evidence from consumers' behavior data with mobile phone" (2023). PACIS 2023 Proceedings. 129.
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