5 Flaws and Fixes in P2P Lending

That Could Make Banking Obsolete

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P2P lending platforms allow entrepreneurs and

small businesses to get easy access to loans

with flexible terms, and low interest rates.

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The global online lending market is projected

to reach $290 billion by 2020

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Marketplace lending grew exponentially in the

US, the UK, and China due to growing demand

for consumer credit, property loans, and SME

finance.

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Despite its strong growth, marketplace lending

is still a fledgling sector

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Online lending platforms need to iron out a few

kinks before they’re really a force to reckon

with

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Problems & Fixes with P2P Lending

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Fix: Follow a Standardized Credit Rating

Approach

Problem: Inherent risks from credit rating

approach

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Fix: Build a sterling reputation and attract

private investors

Problem: Reputational risk and vulnerability

issues

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Fix: Target new customer and loan segments

Problem: Volatile market expectations

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Fix: Overcome regulatory barriers in

marketplace lending

Problem: Federal regulation could ruin investor

appetite

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Fix: Implement fail-safe mechanisms

Problem: Participating investment trusts and

funds could complexify the marketplace

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Online marketplace lending platforms — aka P2P platform — could be a

real threat to the banking sector if they get a few things right.

Know more on P2P Lending from Aranca’s Investment Research Experts.

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