Understanding how virtuous lenders encourage support for peer-to-peer platforms’ prosocial initiatives
研究发现，在P2P租赁平台上，展示善良放贷人（如描述中体现道德和无私）能减少用户对平台亲社会呼吁（如慈善捐赠）的怀疑，提升捐赠意愿，但此效应在高道德脱离用户中消失。
Peer-to-peer (P2P) rental service platforms—i.e., platforms where owners of private possessions (e.g., houses) lend them to other people—often deliver appeals that encourage platform users to contribute to prosocial causes (e.g., through charitable donations). Although many users are skeptical about such appeals, this research argues that exposing users to “virtuous” lenders—i.e., lenders who convey ethicality and unselfishness through their profile descriptions—elicits positive reactions to the above-mentioned appeals. Three experimental studies demonstrate that this occurs because users’ perception of a lender’s virtuousness extends to the platform and facilitates a belief that it is genuinely committed to prosocial causes. This perception, in turn, enhances users’ willingness to engage in charitable giving. However, the beneficial effect of virtuous lenders vanishes when users exhibit high moral disengagement. P2P platforms are, therefore, advised to rely on virtuous lenders and strengthen users’ moral principles to increase the persuasiveness of their prosocial appeals.