Jag fortsätter att citera Computer Weekly om utmanare till traditionella banker
4. Lending Club
Lending Club is not just about processing payments and providing people with information. Its IT platforms are enabling consumers and businesses that are looking for loans to be matched up with lenders.
Lending Club is a US peer-to-peer lending company. In August 2014, the firm filed for its IPO with US regulators. On 10 December 2014, the company raised almost $900m in the largest tech IPO in the US last year. As of September 2014, the platform had engendered more than $6.2bn in loans.
Financial transactions through online lending platforms in Europe look set to become mainstream, reaching €3bn in 2014 and €7bn predicted for this year.
The UK accounted for three-quarters (€2.34bn) of the total, according to the University of Cambridge Research.
Banker är ju mellanled mellan insättare dvs inlånare och låntagare och skär emellan. Peer-to-peer inenbär att bankernas led elimineras.
Läs trendspaningar på www.lobalk.se