ALTERNATIVE «ONLINE-FINANCING» IN THE REGIONS OF THE WORLD: STATUS AND WAYS OF IMPROVEMENT
Why this work is in the frame
A frame that forgets how it found something cannot be audited. These are the routes that admitted this work.
Bibliographic record
Abstract
The article examines the scope and structure of the activities of thirteen business models of alternative online finance, by region of the world. The sales volumes for each category of business models are presented, giving an idea of the effectiveness of various types of "online financial services" in different regions of the world. The general properties and features of the global market of alternative financial models show the dominance of the models "Balance Sheet Business Lending", "P2P/Marketplace Consumer Lending", "P2P/Marketplace Business Lending", which by the end of 2024 occupied a market share, respectively: 28.9; 21.7 and 16.7%. These models occupy leading positions in terms of sales, which indicates their popularity and accessibility. A study of the sales volume structure of online financial services by region in terms of financial models shows that two regions have the largest share - USA & Canada and UK, which have an average of 47.8 and 24.3% for 2023-2024, respectively. High rates can be associated with a developed economy, a strong legal system, a high level of investor confidence and the availability of capital. In order to improve the activities of the AOF market participants, it is advisable to carry out the following activities: a) market diversification: it is necessary to encourage the use of a range of models to meet the diverse needs of investors and borrowers; b) increased regulation: improving the regulatory framework to protect investors and market stability; c) technology integration: the introduction of innovative technologies to improve service delivery; d) increased awareness and understanding of alternative financing options and risks.
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Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.000 | 0.000 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.001 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.000 | 0.000 |
| Open science | 0.001 | 0.000 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.000 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from it