Transformation of Peer-to-Peer (P2P) Lending in the U.S. – A Research Report

In the financial services industry, P2P first emerged in 2005 with a focus on lending and borrowing. P2P lending platforms, also known as marketplace lending platforms, offered an alternative to traditional banking and payment systems, since they cater to the underserved with services like consumer lending, student loans, real estate loans and small-business lending. While these primarily online providers create a marketplace for lenders and borrowers, lenders can also expect a higher rate in this system.

In the US, a number of P2P lenders are lending di ...

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