Part 1: P2P lenders differentiate themselves in ability to provide more efficient lending services to those "underserved". Explain

Part 2: P2P lending platforms leverage emerging technology and data to innovate in consumer and SME lending

Expert Solution

Part 1: P2P lenders indeed differentiate themselves by optimally serving the needs of ‘underserved’ in the financial market. Here the conventional loan processes are circumvented and borrowers and lenders are directly connected. P2P lenders aim to serve the needs of 'underserved’ by serving as an alternate finance method which is a sort of convergence between collective financing and informal funding.

Part 2: One of the key factors that empower P2P lenders to achieve their objectives and function well in the financial markets is “technology”. P2P lending focuses on availability and access to financial data and then leverages the digitization of data to access individual’s financial and credit data in a systematic manner and at negligible costs. This use of technological aspect here allows the P2P lending business model to thrive and function efficiently.

jeff jeffy answered 2 years ago

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