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Peer-to-Peer: Filling the Lending Gap

  • October 2013
  • -
  • GlobalData
  • -
  • 38 pages

Summary
Technological changes have transformed the interactions between banks and customers, as witnessed by the popularity of online and mobile banking. However, technological changes have also led to disruptive business models that challenge the traditional banking model. This is the case with P2P lending.


Synopsis
- Understand how P2P lending appeals to savers and borrowers.
- Discover the threat P2P poses to incumbent providers of finance.
- Learn how different P2P lending platforms are positioning themselves.
- Inform your future plans by discovering the expansion plans of P2P lending platforms.

Reasons To Buy
- What are the changes in consumer behaviors and attitudes affecting the consumer credit market?
- How mainstream can P2P lending become?
- What strategies do new entrants need to adopt to succeed in the P2P lending market?
- How will various market forces influence the future growth of P2P lending?
- What are the threats to the future growth of P2P lending?

Key Highlights
P2P lending has the potential to be a credible contender to bank loan provision. It could eventually account for 10-15% of the unsecured lending market and therefore become a noteworthy rival for high street lenders. It will also become a mainstream option for borrowers and an alternative investment option for consumers' savings.

The supply of finance from investors will continue to rise as consumers look to make the most of their savings, the industry becomes regulated, and provision funds make it safer for lenders. Institutional investors will play a bigger role in providing finance as they are attracted by the fixed income high yield potential of P2P lending.

The attraction of P2P to borrowers is becoming clearer. Borrowers can have access to funds far quicker with P2P lending than with a bank. The cost of borrowing from a P2P lender is usually lower than the interest rates offered by banks. P2P lending can also be an alternative option for borrowers who have been declined by banks.

Table Of Contents

Peer-to-Peer: Filling the Lending Gap

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