Cambridge academic Brian Zhang is to play a leading role in what we at Money&Co. see as the re-positioning of peer-to-peer (P2P) lending as a mainstream asset class. The Financial Times, perhaps a little, unkindly, reports that the Financial Conduct Authority (FCA) has hired Cambridge Judge’s alternative-data department to “ help it understand” P2P and […]
What is the “ecosystem” of peer-to-peer (P2P) lending? As the name might suggest, it’s all about the commercial and social environment in which P2P lenders, such as Money&Co., operate. At Money&Co., we bring individual lenders looking for good returns on their capital together with carefully vetted small businesses seeking funds to grow. The commercial element […]
Today is our last offering on the important, newly published academic report Financial innovation today: Towards economic resilience. The report concerns alternative finance, including crowdfunding, community shares and peer-to-peer lending, and is authored by Mark Davis and Tim Braunholtz-Speight from the Bauman Institute in Leeds. It addresses an issue dear to our hearts here at […]
Today we offer more reaction to the newly published academic report Financial innovation today: Towards economic resilience. The report concerns alternative finance, including crowdfunding, community shares and peer-to-peer lending, and is authored by Mark Davis and Tim Braunholtz-Speight from the Bauman Institute in Leeds. One of the appealing aspects of the report is the authors’ […]
Today we continue with a further report on the newly published academic report Financial innovation today: Towards economic resilience. The report concerns alternative finance, including crowdfunding, community shares and peer-to-peer lending, and is authored by Mark Davis and Tim Braunholtz-Speight from the Bauman Institute in Leeds. One of the issues examined is the “democratisation” of […]
A new report on alternative finance, including crowdfunding, community shares and peer-to-peer lending is attracting widespread interest in the media and elsewhere. Financial innovation today: Towards economic resilience is authored by Mark Davis and Tim Braunholtz-Speight from the Bauman Institute in Leeds. It examines a number of issues around what is termed the decentralisation of […]
The UK media has carried a series of commentaries in recent days asking more or less the same question: Why are there no UK tech giants, like Amazon or Google? It’s a moot point, but we can at least say with some conviction that we have a healthy tech sector in the UK, and the […]
Tech UK reports the outcome of a seminar on alternative funding sources for small and medium-sized businesses, post-Brexit. Regular readers will be aware that this is a topic close to our hearts here at Money&Co. “With negotiations underway to extricate the UK from the European Union, techUK’s Financial Services & Payments Programme convened to explore what Brexit […]
Today FT Alphaville looks at P2P accounting and an evolving business model in our sector. We offer an excerpt and our own commentary below (and encourage readers to subscribe to FT’s journalism offering). “One of the key features of peer-to-peer (P2P) lending is an absence of centralised balance sheet risk. “In the traditional, boring model […]
Frustration is a word heard all too frequently in the process of financing small businesses. Survey after survey demonstrates that small businesses are frustrated by slow-moving traditional lenders. And alternative finance providers and facilitators, such as Money&Co., are upset by our seeming inability to get the message across that there is an alternative. However, we […]