Peer to peer: the meteorite approaches

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In this paper we analyse what is happening with P2P and how traditional firms might evolve to benefit from the change rather than risk extinction.

Peer to Peer (P2P) lending in the UK is little more than 10 years old, but already the market is crowded with almost 100 firms and business volumes growing at 70% per annum. It is a meteoric rate of expansion and one which puts P2P on a collision course with today’s financial services industry.

In summary this paper covers:

  • P2P, Crowdfunding – what’s the difference?
  • How the P2P asset class has grown
  • Why people borrow through P2P rather than their banks
  • Why people invest in P2P rather than traditional assets
  • Challenges to intermediated market adoption
  • How the market will change by 2020
  • The impact of P2P on the investment value chain
  • Strategies for survival
  • Examples of great innovation