Online peer-to-peer lending platform and supply chain finance decisions and strategies

Abstract Online peer-to-peer (P2P) lending platform is an emerging FinTech business model that establishes a link between investors and recipients of capital in supply chains (SCs). Businesses face constraints impacting directly on their final product price demand. This article studies optimal decisions operational strategies logistics network considering two capital-constrained manufacturers who produce products different qualities sell them to retailer having deterministic demand over specific period. The high quality manufacturer borrows through online P2P with service fee, while the low pre-sells for competing manufacturer. In this study, we find prices SC participants, rate percentage pre-ordering quantity retailer. We analyse Stackelberg Nash equilibrium participants. increase amount opportunity cost will cause decrease affecting profit numerous ways. should consider retailer’s target determining platform’s rate. posit some practical insights based our numerical study observations managers enabling take appropriate measures about according networks’ existing economic conditions.