5 Powerful Thesis Topics on Online Lending App Abuse in the Philippines

Source: GMA News Online

Let me convince you to make this a thesis.

Julie thought it would be quick. Borrow money, pay it off, move on. But when the payments piled up and she missed a deadline, everything changed. AI-generated photos of her face were posted online. Strangers mocked her. Friends disappeared. She stopped going outside. She stopped smiling. She started thinking about suicide.

This is not just about debt. This is about dignity, privacy and mental health being destroyed by technology. These online lending apps are not just illegal. They are inhumane. No one is regulating them fast enough. No one is protecting the victims loud enough. And the worst part? Thousands are suffering in silence. That is the real problem.

Who Can Use These Topics

This research is ideal for students and professionals pursuing the following courses or strands:

College Programs:

• Criminology

• Psychology

• Social Work

• Political Science

• Communication

• Information Technology

• Business Administration

• Law

Senior High School Strands:

• HUMSS

• ABM

• STEM

• ICT

5 Thesis Topic Ideas

1.The Relationship Between Exposure to Online Lending App Harassment and the Mental Health of Victims

This study explores how digital harassment from lending apps impacts the psychological well-being of individuals.

Target Respondents

• Online lending app victims

• Mental health professionals

2.The Link Between Digital Loan Accessibility and the

Financial Behavior of College Students

This research looks at how easy access to online loans affects how students manage their money.

Target Respondents

• College students

• Financial literacy advocates

3.The Impact of Regulatory Awareness on the Reporting Behavior of Online Lending Victims

This study examines if knowing the legal process influences whether victims report abuses.

Target Respondents

• Victims of online lending scams

• Legal aid workers

4.The Effect of AI-Generated Public Shaming on the

Social Behavior of Debt Victims

This topic investigates how manipulated digital images influence social withdrawal and anxiety.

Target Respondents

• Cybercrime victims

• Mental health counselors

5.The Correlation Between Interest Rates of Online Lending Apps and Default Rates Among Low-Income Borrowers

This explores whether higher interest rates lead to more missed payments and deeper debt traps.

Target Respondents

• Low-income borrowers

• Community development workers

Get Your Thesis Title — or Keep Getting Rejected

Bestie, let’s stop pretending you’ve “got it covered.”

You’re here because:

• Your title keeps getting rejected

• You don’t know the difference between a “topic” and a “research gap”

• You’re guessing your way through something that decides your graduation

And let’s be real — you’ve already:
❌ Tried making titles from scratch
❌ Watched “How to Write a Thesis Title” TikToks
❌ Copy-pasted topics from other people's thesis (ooops?)

Still stuck? Exactly.

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Before your adviser humbles you one more time.

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