Academics and Researchers

One of our primary objectives in making Prosper market data fully transparent and freely available via an API is to permit and encourage anyone to study the Prosper market and consumer credit markets in general. We deeply appreciate the level of diligence and analysis so many have contributed using Prosper's marketplace data. We are also very encouraged that an increasing number of academics, economists and professional credit analysts have taken the time to conduct deep studies of the market and share their conclusions publicly.

You may access Prosper's public site data in a downloadable format on the developer tools and data mining resources page. If you have questions or require assistance, please send an email to academics@prosper.com. We welcome your inquiries and expertise.

Studies using Prosper data

• The Democratization of Personal Consumer Loans?
  Determinants of Success in Online Peer-to-Peer Lending Communities
• Dynamic Learning and Selection: the Early Years of Prosper.com
• Cows, Kiva, and Prosper.Com: How Disintermediation and the Internet are Changing Microfinance
• Financial Services 2.0
  Thomas Meyer's white paper on how social computing and P2P activity are changing financial research and lending.
• To Fund Or Not To Fund: Determinants of Loan Fundability in the Prosper.com Marketplace
  Joe Ryan, Katya Reuk and Charles Wang of the Stanford Graduate School of Business wrote this study into key social and financial determinants of fundability.