affiliation not provided to SSRN, University of Cambridge, Judge Business School, Cambridge Centre for Alternative Finance, Students, University of Cambridge - Cambridge Centre for Alternative Finance, University of Cambridge - Cambridge Centre for Alternative Finance, Cambridge Centre for Alternative Finance, Cambridge Judge Business School, University of Cambridge, University of Cambridge - Cambridge Centre for Alternative Finance and University of Cambridge - Cambridge Centre for Alternative Finance

University of Cambridge - Cambridge Centre for Alternative Finance, University of Agder, University of Hamburg - Faculty of Business, Economics, and Social Sciences, affiliation not provided to SSRN, affiliation not provided to SSRN and University of Cambridge - Department of Engineering