Cases involving institutional plaintiffs, like payday lenders, saw a sharper rise in default judgments than individual plaintiffs after online dispute resolution was introduced

A bar chart comparing the rate of default judgments in West Valley City Justice Court. Before ODR, individual plaintiffs won default judgments 19% of the time and institutional plaintiffs won default judgments 46% of the time. After ODR was introduced, individual plaintiffs won default judgments 20% of the time and institutional plaintiffs won default judgements 62% of the time.