DataCents: P2P Lending Research Platform

A comprehensive research platform showcasing machine learning applications in peer-to-peer lending risk assessment. Our team analyzed over 2.2 million loan records to develop the DataCents Risk Score.

🌟 Features

• Interactive Research Dashboard - Explore findings from 2.2M+ loan records
• Global Team Network - Researchers across North America, Europe, and Asia
• Advanced ML Models - XGBoost, Random Forest, and Logistic Regression implementations
• Responsive Design - Beautiful, modern UI with parallax effects and asymmetric layouts
• Open Source - Complete codebase available for research and collaboration

🚀 Quick Start

Prerequisites

• Node.js 18+
• npm or pnpm

Installation

# Clone the repository
git clone https://github.com/yourusername/p2p-lending-research.git
cd p2p-lending-research

# Install dependencies
npm install --legacy-peer-deps

# Start development server
npm run dev

Build for Production

npm run build

🌐 Deployment

GitHub Pages (Recommended - Free)

This project is configured for automatic deployment to GitHub Pages.

Setup Steps:

1. Push to GitHub

   git add .
   git commit -m "Initial commit"
   git push origin main

2. Enable GitHub Pages

   • Go to your repository on GitHub
   • Navigate to Settings → Pages
   • Select "Deploy from a branch"
   • Choose "gh-pages" branch
   • Save

3. Automatic Deployment

   • Every push to main branch triggers automatic deployment
   • Your site will be available at: https://yourusername.github.io/p2p-lending-research/

Manual Deployment

npm run deploy

Alternative: Vercel

If you prefer Vercel:

1. Install Vercel CLI: npm i -g vercel
2. Run: vercel
3. Follow the prompts

📁 Project Structure

src/
├── components/          # React components
│   ├── HomePage.jsx     # Landing page
│   ├── Documentation.jsx # Research documentation
│   ├── AboutTeam.jsx    # Team information
│   ├── FurtherStudy.jsx # Research papers
│   ├── Contact.jsx      # Contact page
│   └── ui/             # UI components
├── assets/             # Images and static files
├── hooks/              # Custom React hooks
└── App.jsx             # Main app component

🛠️ Technologies Used

• Frontend: React 19, Vite
• Styling: Tailwind CSS 4, Framer Motion
• UI Components: Radix UI
• Routing: React Router DOM
• Deployment: GitHub Pages, GitHub Actions

📊 Research Highlights

• Dataset: 2.2M+ LendingClub loan records (2007-2018)
• Models: XGBoost (ROC AUC: 0.72), Random Forest, Logistic Regression
• Key Findings: Interest rates, FICO scores, loan grades, and DTI ratios as primary predictors
• Innovation: DataCents Risk Score for enhanced credit assessment

🤝 Contributing

We welcome contributions! Please see our Contributing Guidelines for details.

📄 License

This project is licensed under the MIT License - see the LICENSE file for details.

📞 Contact

• Email: research@datacents.com
• GitHub: Repository
• LinkedIn: Team Profile

🙏 Acknowledgments

• MIT Emerging Talent Program
• LendingClub for providing the dataset
• Open source community for tools and libraries

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Built with ❤️ by the DataCents Research Team