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[15]Michal Herzenstein, Utpal M. Dholakia & Rick L. Andrews.Strategic. Herding Behavior in Peer-to-Peer Loan Auctions. Journal of Interactive Marketing, 25 (2011) 27–36
[16]Eunkyoung Lee, Byungtae Lee .Herding behavior in online P2P lending: An empirical investigation, Electronic Commerce Research and Applications,2012,Pages 1304-1310