Digital Mosaic @ Terrapin Trading Show NYC

           Digital Mosaic Capital was thrilled to attend the Terrapin Trading Show NYC today participating in the round table discussion “New horizons in alternatives – how is digital transformation creating new markets, products and investment opportunities?”. Hope you also enjoyed our seminar presentation on “Tokenization & tech-enabled alternative assets – what Read more about Digital Mosaic @ Terrapin Trading Show NYC[…]

The Chinese P2P Crisis and What Southeast Asia Can Learn From It

Merely three years ago P2P lending in China was hailed as the bank of tomorrow and the harbinger of financial innovation. Powered by technology and ever burgeoning rounds of funding and valuation, P2P lending was set to disrupt financing the world’s 2nd largest economy dominated by state owned (or sponsored) banks. The new elites in Read more about The Chinese P2P Crisis and What Southeast Asia Can Learn From It[…]

Marketplace Loan Secondary Markets: Path and Hurdles to Commoditization

The Many Faces of the P2P Secondary Market While online marketplace lending (MPL) has experienced nearly continuous growth in its investor and originator base over the past decade, the lack of liquidity and secondary market trading options remains one of the key hurdles[1]to broader adoption across investor segments. Fortunately, a growing number of players have Read more about Marketplace Loan Secondary Markets: Path and Hurdles to Commoditization[…]

Will Blockchain Technology Bring P2P Lending 2.0?

Introduction For many investors, the word ‘Blockchain’ is associated with words such as ‘distributed’, ‘transparent’ or ‘immutable’. But what does it mean for the peer-to-peer lending industry? Both peer to peer models and distributed systems have been around for a while (e.g. Ethernet and ARPANET were invented in the 1970s), and have already established the Read more about Will Blockchain Technology Bring P2P Lending 2.0?[…]

What The Recent Tala and Modalku Funding Rounds Tell Us

  The Arrival of Tech-Enabled Loan Origination in Emerging Markets   In a little over a decade, the tech-enabled lending sector originally championed by the likes of Lending Club and Zopa has become a force in providing capital to consumers and small companies in EM. The recent Series C funding of Tala and Series B Read more about What The Recent Tala and Modalku Funding Rounds Tell Us[…]

How to Access the P2P Market: DIY or Fund Manager?

Marketplace loans (MPLs), also known as peer-to-peer loans, are an exciting new asset class offering institutional investors and wealth managers a number of benefits not found in traditional fixed income products. However, because they are typically issued to retail consumers and private businesses, each loan is relatively small. For a manager looking to invest tens Read more about How to Access the P2P Market: DIY or Fund Manager?[…]

From Disruption to Rebirth – The Emergence of Fintech Banking

A version of this article appeared in Caijing on August 21, 2017. Why has fintech turned from disrupting banks to becoming banks? On December 28, 2016, Xinwang Bank opened for business. This is China’s third internet bank, and the first one in the Southwestern region. According to the official website, the bank is “jointly created Read more about From Disruption to Rebirth – The Emergence of Fintech Banking[…]

Top Five Reasons to Invest in Marketplace Loans

Marketplace loans (MPLs), also known as peer-to-peer loans, are an exciting new asset class that provides investors with a variety of benefits that are not found in traditional fixed income products. The MPL market has grown rapidly since the Great Recession, as post-crisis regulations have made it prohibitively expensive for banks to service many of Read more about Top Five Reasons to Invest in Marketplace Loans[…]

LendingCalc Appoints Former Chief of Risk at Dianrong, Terry Tse as Adviser

“The appointment boosts the marketplace loan analytics firm’s credit portfolio and platform due diligence capabilities.” NEW YORK, NY, August 30, 2017 /24-7PressRelease/ — LendingCalc, Inc., a direct investment platform providing global access to digital specialty finance for institutional investors, announced the appointment of Terry Tse, the former Chief Risk Officer of the leading Chinese P2P platform, Dianrong, Read more about LendingCalc Appoints Former Chief of Risk at Dianrong, Terry Tse as Adviser[…]