https://www.fox.temple.edu/sites/fox/files/documents/Cummins%20Conference%202022/XiangHuBao-main-2022-03-23.pdf
The significant progress in information technologies promotes new venues in risk sharing and risk management practices (OECD, 2017). Just as peer-to-peer (P2P) lending platforms connected un-or under-financed borrowers to lenders, emerging fintech platforms can also be leveraged to reach traditionally un-insured or under-insured customers.2 This is exemplified by Xiang Hu Bao (XHB, meaning ...