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Decision Support Systems 49 (2010) 52–60 Contents lists available at ScienceDirect Decision Support Systems journal homepage: /locate/dss Borrower Decision Aid for people-to-people lending Lauri Puro a, Jeffrey E. Teich b, Hannele Wallenius a, Jyrki Wallenius c,⁎ a Aalto University School of Science and Technology, Department of Industrial Engineering and Management, POB 15500, FI-00076 AALTO, Finland b New Mexico State University, Management Department, New Mexico State University, Las Cruces, NM 88003, USA c Aalto University School of Economics, Department of Business Technology, POB 21210, FI-00076 AALTO, Finland a r t i c l e i n f o a b s t r a c t Article history: In setting up, and bidding in online auctions, people face difficult strategic decisions. In this study, a Borrower Received 14 January 2009 Decision Aid is introduced, which will help formalize the decision making process of the sellers, or borrowers Received in revised form 18 December 2009 in this case, in one particular P2P loan auction site, P. The vast amount of real-life bidding data Accepted 31 December 2009 available in this online auction enables us to build new kinds of tools for decision makers. The Borrower Available online 18 January 2010 Decision Aid helps the borrower to quantify her strategic options, such as starting interest rate, and the amount of loan requested. We identify which variables concerning the borro