The European Banking Authority (EBA) is looking into how the business of peer-to-peer (P2P) lending is conducted. The UK P2P sector has had its own problems with the collapse of Lendy – which was regulated by the Financial Conduct Authority (FCA) but still failed. See our take on the way forward here. Problems experienced with […]
Has the Financial Conduct Authority (FCA) done the peer-to-peer (P2P) sector a favour? The argument runs that the FCA has added scarcity value, and a kind of financial forbidden-fruit glamour, to the P2P sector by proposals that would limit investors’ exposure to P2P assets to 10 per cent of investors’ invested wealth. Our friends at […]
Peer-to-peer (P2P) lending is a young and fast-expanding sector embedded within the wider alternative finance sector. It is, then, something of a surprise that the ‘average’ user is predominantly older (over 60 in the case of many platforms from what we hear in the industry) and male. The theory is that in the prevailing […]
We see that a major player in the peer-to-peer industry appears to be moving further away rom individual investors in favour of institutions. We excerpt a news report below. Our comment on this is twofold. First, we remain committed to keeping the crowd in crowdfunding (see earlier articles). Second, all this is fine, if Funding […]
In, out, in, out, etc. The topic of SME financing – how easy it is to find from non-banking sources, rates of uptake and the like – is the subject of regular surveys producing more or less contradictory assessments. Here’s an earlier piece we published here in News pointing out the flip-flop nature of the […]
The collapse of one of the better-known players in the peer-to-peer (P2P) lending sector should give everyone pause for thought. Below we post an extract from a sensible article by our friends at P2P Finance News. The writer finds three reasons for lenders to keep faith. We have an extra one of our own. The […]
Our friends at P2P Finance News bring news of expected changes to P2P regulation. We recently consulted with the Financial Conduct Authority holding a series of constructive and useful meetings. We look forward to the engagement between the FCA and the Tax Incentivised Savings Association (Tisa), which is well-run and has good people working for […]
The ritual danced between alternative finance and the mainstream continues. Our own peer-to-peer (P2P) lending sector is at the fore of this process. Here’s just one of many reports carried in News over the past five years. The latest news is carried by our friends at P2P Finance News, which looks at recent research indicating […]
Our determination to keep the crowd – individual investors – in crowdfunding is on the record. That does not preclude forming partnerships with bigger commercial lenders, but the individual will always have a place in peer-to-peer (P2P) lending. Our friends at P2P Finance News quote Orca Money’s Iain Niblock’s thoughts on the debate: While much […]
As peer-to-peer (P2P) lending becomes better understood and more “mainstream”, the ways of investing in the sector proliferate. We look at reports of one of the more sophisticated ways to invest (a listed bond) below, courtesy of our friends at P2P Finance News. Money&Co. offers a more direct route to the P2P market. We bring […]