Category Archives: Blog

Nicola’s Blog

Identity, Money And The Future Of Digital Currencies (And Personal IOUs)

The old saying goes that in the digital world if the product is free, the payment is you. Or your information, at least. The notion that personal data is valuable is becoming more widely understood.  “Behavioural biometrics” – the way we interact with our devices – are set to replace passwords in online finance, according […]

Regulatory Rules Need To Change With The Times

These are turbulent times. We note with interest – and approval – the comments from some distinguished operatives in the equity markets. There’s a clamour in some quarter for a complete change of attitude on behalf of the regulatory authorities, who have already suspended a controversial rule more fitted to times of low volatility in […]

Alternative Investments In Difficult Times

Global equity markets have had a very good run, but we are clearly entering difficult times for mainstream investment channels. Regular readers will know that we have strong reservations about the way mainstream finance has rushed to invest – or should that be “throw money”? – at the alternative-finance sector. Source: Siblis Research The major […]

Platform Loans – Survival Of The Fittest

The latter part of 2019 has seen, quite rightly, a greater focus on the regulation of process and enhancing transparency requirements in the sector following the failure of peer-to-peer (P2P) platforms such as Lendy. Lendy’s failure was linked – completely unfairly – with a number of problems experienced by investors in unregulated investments, notably mini-bonds. […]

Platform Loans – The New Kids On The Personal Investing Block

Call it platform lending, marketplace lending or peer-to-peer (P2P) lending, the loans facilitated in our sector are a new asset class. The novelty of platform lending has contributed to a classic case of the syndrome known as fear of the unknown. There have been some high-profile failures in the sector. The lesson we’ve learned from […]

Platform Lending Revisited – We Scan The Credit Horizon

Platforms like ours are relatively new kids on the block in the world of high-yield products. It’s so new the terminology hasn’t settled down. It’s known as platform lending, marketplace lending or peer-to-peer (P2P) lending. The novelty is relative. Platform lending began in the US in the depths of the 2008 credit crunch. The banks […]