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?[…]

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[…]

Marketplace Lending: The Asia Experience

Introduction Marketplace lending is blossoming in Asia, following the trend in China where over 2000 platforms are purportedly open for business. The majority of Asian platforms were founded in or after 2015, a few years after the Chinese boom, and are able to incorporate the lessons learned from the Chinese market. This is also facilitated Read more about Marketplace Lending: The Asia Experience[…]

What Big Data Thinks About P2P Loans

Executive Summary: Peer to peer services have been growing in popularity in the past decade. New lending marketplaces have seen an equally substantial growth even as they have strayed from the P2P standard.  The global marketplace loan market has seen a near tenfold increase in loan origination since 2010.  A key advantage driving the growth of Read more about What Big Data Thinks About P2P Loans[…]

Three Layers of FinTech

Article was originally published in Caijing. Synopsis Fintech has become the darling of the VC world over the past few years including a number of technologies such as crowdfunding, blockchain, and robo-advisory. At the same time, it is an all-encompassing term that has eluded definition. Worse, industry participants tend to conflate finance and the technology Read more about Three Layers of FinTech[…]

A Machine Learning Approach to Selecting P2P Loans

The growth of P2P lending has brought with it an exciting opportunity for investors to create and deploy their own credit scoring models in building their loan portfolios. The appeal here is obvious due, in large part, to the investor’s ability to refine and target profitable “pockets” of loans that simple combinations of filters would Read more about A Machine Learning Approach to Selecting P2P Loans[…]