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The Fintech 2.0 Paper: Rebooting Financial Services - ValueWalk

The Fintech 2.0 Paper: Rebooting Financial Services - ValueWalk | Peer to Peer Lending | Scoop.it
The Fintech 2.0 Paper: Rebooting Financial Services by Oliver Wyman Banks can boast of some important innovations.
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A global view to the impact of Fintech on the financial services industry. A nice piece with the full pdf available at the bottom to download

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Trading loans on LendingClub just got easier

Trading loans on LendingClub just got easier | Peer to Peer Lending | Scoop.it
This company will automate your LendingClub secondary market investments
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Nice piece on Lending Robot's newest service that helps us investors.

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Fintech will cut the fat | Money Management

Fintech will cut the fat | Money Management | Peer to Peer Lending | Scoop.it
Financial technologies such as peer-to-peer lending, robo-investing and digital currencies are here to s
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Fintech's effects on the Aussie financial services markets

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New P2P: South African

New  P2P: South African | Peer to Peer Lending | Scoop.it
SA's huge unsecured lending market, where credit providers are making abnormally large profits, could soon see the entry of ordinary individuals. (P2P lending in SA.

Via P2P Consultants
Stu Lustman's insight:

South Africa's first peer to peer lending operation getting off the ground.

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P2P Consultants's curator insight, October 27, 2013 7:19 PM

Well, a Johannesburg start up plans to help you do just that. Still in pre-launch phase, YIBA (www.yiba.co) is an online South African Peer-to-Peer lending platform. 

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Peer-To-Peer Lending Platform Funding Circle Raises $37M, Targets U.S. SMBs In Merger With Lending Network

Peer-To-Peer Lending Platform Funding Circle Raises $37M, Targets U.S. SMBs In Merger With Lending Network | Peer to Peer Lending | Scoop.it
Small businesses have been called the lifeblood of our economy, and today a financial services startup has picked up a significant round of funding to help..

Via Marty Koenig
Stu Lustman's insight:

UK and US based peer to business lenders merge their operations. This should be a win/win for all

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Iron Dane Richards's curator insight, November 2, 2013 8:30 AM

Crowd Funding is a great source of funding for the true entrepreneur!

Great article for insight to future funding!

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'Peer to Peer' Lending Securitization

'Peer to Peer' Lending Securitization | Peer to Peer Lending | Scoop.it
A New York hedge fund has taken some of its Lending Club loans and sold them in a $53 million securitization. Are more such deals likely to be on the horizon? (Eaglewood completed the P2P industry's first securitization today!

Via P2P Consultants
Stu Lustman's insight:

Another sign of growth in this market as securitization allows increased access to capital to invest

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P2P Consultants's curator insight, October 3, 2013 8:32 PM

This is first of many types of securitization for p2p loans

 

"Securitization may be a crucial development for peer-to-peer lending because it might allow a wider array of investors to buy such loans. The Eaglewood deal mostly went to a large insurance company, according to a person familiar with the transaction. That buyer probably operates under restrictions that prevent it from directly investing in Lending Club loans. The Eaglewood deal, however, effectively allows it to gain financial exposure to such loan"

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Love for P2P Loans

P2P loans as an investment against other investment types. ... The biggest reason why I am so excited about this lending platform is that it bucks the trend. What I mean is, as of today in June 2013, we are in the midst of an asset bubble in ...

Via P2P Consultants, Stu Lustman
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P2P Consultants's curator insight, June 30, 2013 7:21 PM

This author has it right. 

 

Other financial options in the market are bad now.

 

His summary:

 

"So how many other choices do typical US investors have to put their money to work? Not very many.  THIS is why I love P2P loans. Low risk, good rates, liquid, and the market is easy to learn"

Stu Lustman's curator insight, July 1, 2013 2:07 PM

I dont know if self scooping is a bad idea but I wanted to explain why I love this investment at this point in time.

Stu Lustman's comment, July 1, 2013 2:13 PM
thanks for your kind words. I'd love to hear why you love them and how you go about investing in this emerging market.
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Could banks be going the way of the dinosaurs? - YEs

Could banks be going the way of the dinosaurs? - YEs | Peer to Peer Lending | Scoop.it
Could banks be going the way of the dinosaurs?
Herald Sun
By using credit reports and stringent loan applications, P2P lending has attracted a lot of attention by giving investors a higher return and borrowers a better rate.

Via P2P Consultants
Stu Lustman's insight:

great commentary on the state of the Australian banking system and the impact p2p lending is having on it.

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P2P Consultants's curator insight, October 10, 2013 8:14 PM

Google, Apple, Amazon, eBay, PayPal and a host of other technology companies have come from nowhere to be processing millions of payments every day and are becoming the name the customer is dealing with instead of a bank.

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Crowdfunding Receivables Start-Up

Crowdfunding Receivables Start-Up | Peer to Peer Lending | Scoop.it
Crowdfunding Receivables Start-Up, P2Binvestor, Receives $1.2 Million Series ...
PYMNTS.com
P2Binvestor has taken the popular peer-to-peer (P2P) lending model and applied it to business receivables.

Via P2P Consultants
Stu Lustman's insight:

Peer to Business secured by A/R, accounts receivable. A great idea but for accredited investors only.

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P2P Consultants's curator insight, September 16, 2013 6:34 PM

Interesting new start up

 

"The P2Binvestor platform offers businesses competitive, efficient access to working capital with the unique marketing benefits inherent in crowdfunding. At the same time it allows investors with whom it has established relationships to buy into a portfolio of business receivables and earn market-based returns."

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Peerby's Local Lending App Is Ready To Help Neighbours Participate In The ... - TechCrunch

Peerby's Local Lending App Is Ready To Help Neighbours Participate In The ... - TechCrunch | Peer to Peer Lending | Scoop.it
Peerby's Local Lending App Is Ready To Help Neighbours Participate In The ...
Stu Lustman's insight:

Cool new app from Holland with a different take on peer to peer lending, the lending of stuff not just dollars (or Euros)

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P2P lending platform Prosper lines coffers with $25M in new funding - VentureBeat

P2P lending platform Prosper lines coffers with $25M in new funding - VentureBeat | Peer to Peer Lending | Scoop.it
P2P lending platform Prosper lines coffers with $25M in new funding
VentureBeat
Prosper powers a peer-to-peer marketplace that connects people who need to borrow money with people who can lend it to them.
Stu Lustman's insight:

More funding and increased street cred for p2p lending platforms as Prosper gets more funding.

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Competing with institutional lenders for notes in P2P

Competing with institutional lenders for notes in P2P | Peer to Peer Lending | Scoop.it
Competing with institutional lenders for notes.

Via P2P Consultants
Stu Lustman's insight:

Great discussion here on if institutional money is crowding out the little guy for investment into this market

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P2P Consultants's curator insight, July 20, 2013 7:07 PM

This is a serious problem now

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Love for P2P Loans

P2P loans as an investment against other investment types. ... The biggest reason why I am so excited about this lending platform is that it bucks the trend. What I mean is, as of today in June 2013, we are in the midst of an asset bubble in ...

Via P2P Consultants
Stu Lustman's insight:

I dont know if self scooping is a bad idea but I wanted to explain why I love this investment at this point in time.

more...
P2P Consultants's curator insight, June 30, 2013 7:21 PM

This author has it right. 

 

Other financial options in the market are bad now.

 

His summary:

 

"So how many other choices do typical US investors have to put their money to work? Not very many.  THIS is why I love P2P loans. Low risk, good rates, liquid, and the market is easy to learn"

Stu Lustman's comment, July 1, 2013 2:13 PM
thanks for your kind words. I'd love to hear why you love them and how you go about investing in this emerging market.
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ProudSource Puts New Spin on Bitcoin Peer-to-peer Lending - Bitcoinist.net

ProudSource Puts New Spin on Bitcoin Peer-to-peer Lending - Bitcoinist.net | Peer to Peer Lending | Scoop.it
Proudsource
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Stu Lustman's comment, June 12, 2015 5:12 AM
Bitcoin meets Microfinance
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Peer-To-Peer Lending: Some Say High Rates of Return Are a Red Flag - CoinTelegraph

Peer-To-Peer Lending: Some Say High Rates of Return Are a Red Flag - CoinTelegraph | Peer to Peer Lending | Scoop.it
Peer-to-peer (P2P) lending is positioned to reach US$77 billion this year, a 15-fold increase from 2012. It's the fastest-growing asset in finance, claims Bloomberg
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A good intro primer to the market

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Peer-to-Peer Lending: Ready to Grow, Despite a Few Red Flags - Knowledge@Wharton

Peer-to-Peer Lending: Ready to Grow, Despite a Few Red Flags - Knowledge@Wharton | Peer to Peer Lending | Scoop.it
Peer-to-peer lending is witnessing dramatic growth in a niche left open by banks. Some experts, however, offer several reasons why the industry has yet to achieve critical mass.
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a nice pretty objective overview of p2p lending with comments from Prosper and Ranger

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The Legal Basis of P2P Lending Platforms

The Legal Basis of  P2P Lending Platforms | Peer to Peer Lending | Scoop.it
what is the legal basis for a p2plending platform. what does it have to do to stay legal and why? and how does it affect us investors?

Via P2P Consultants
Stu Lustman's insight:

My securities atty expert on how the platforms stay legal

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P2P Consultants's curator insight, October 29, 2013 7:31 PM

Good overview of the legal status of p2p lending  platforms

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P2P Companies: The Movers and Shakers of China's Shadow Banking - the Diplomat

P2P Companies: The Movers and Shakers of China's Shadow Banking - the Diplomat | Peer to Peer Lending | Scoop.it
P2P Companies: The Movers and Shakers of China's Shadow Banking
the Diplomat
P2P lending represents a small sliver of shadow banking, though it's growing rapidly.
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Interesting perspective on p2plending in China including the fact that the platforms there are allowed to guarantee loans up to 10x the amount of their own capital.

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WeLend Brings Online Social Lending To Hong Kong

WeLend Brings Online Social Lending To Hong Kong | Peer to Peer Lending | Scoop.it
Founded by WeLab, a finance startup, WeLend is the first social lending platform based in Hong Kong. Since launching in early July, WeLab says it has received US$6 million in loan applications.

Via Thomas Faltin
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Hong Kong's first p2plending platform

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Interview - 4 Years Zidisha - P2P-Banking.com

Interview - 4 Years Zidisha - P2P-Banking.com | Peer to Peer Lending | Scoop.it
Interview - 4 Years Zidisha P2P-Banking.com Four years ago, Zidisha launched as the first direct P2P lending platform to bridge the international wealth divide: We linked economically disadvantaged individuals in some of the world's poorest places...
Stu Lustman's insight:

A fantastic p2plending service that is like Kiva but does allow the investors to earn interest. A microfinance lending platform that does great work

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Peer-to-Peer Lending Fills in the Gaps Traditional Banks Leave Behind - ThomasNet News

Peer-to-Peer Lending Fills in the Gaps Traditional Banks Leave Behind - ThomasNet News | Peer to Peer Lending | Scoop.it
Peer-to-Peer Lending Fills in the Gaps Traditional Banks Leave Behind
ThomasNet News
Thanks to the Internet, we now have such applications as peer-to-peer file sharing, peer-to-peer tech support, and peer-to-peer fundraising.
Stu Lustman's insight:

It's the whole reason for being for peer to peer lending. if banks were wiling to do it, the whole industry wouldnt be necessary....

 

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Calculating Returns: IRR or XIRR vs ROI

Calculating Returns: IRR or XIRR vs ROI | Peer to Peer Lending | Scoop.it
There's been much debate in the blogging world for p2p lending about how to calculate returns on our loan portfolios.  Some very prominent people in our industry, including Peter Renton of Lend Academy, believe that the most accurate way to...

Via P2P Consultants
Stu Lustman's insight:

Sorry. I scooped my own article :)

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P2P Consultants's curator insight, September 21, 2013 8:21 PM

 

Good insight into IRR on p2p lending

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The Peer-to-Peer Lending Numbers They Don't Want You to See - Mom and Dad Money

The Peer-to-Peer Lending Numbers They Don't Want You to See - Mom and Dad Money | Peer to Peer Lending | Scoop.it
Today we pull the curtain on peer-to-peer lending to check out some of the numbers behind it that the marketers don't want you to see.
Stu Lustman's insight:

Good article and while I don't agree with all of the conclusions, the fact that we have to invest wisely and get a real understanding of the returns we make is very important

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Nickel Steamroller - Impressive Tools For P2P

Nickel Steamroller - Impressive Tools For P2P | Peer to Peer Lending | Scoop.it
Nickel Steamroller is a premier resource for p2p stats and news. Lending club vs Prosper 2012 (@AlephBlog This site has detailed data on P2P lending. It would be nice to see a longer series.

Via P2P Consultants
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Michael's site is just great at examining loan data

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P2P Consultants's curator insight, August 29, 2013 7:29 PM

The NSR Platform is a comprehensive set of tools designed to help investors meet expectations.

 
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Earning 13% With P2P

Earning 13% With P2P | Peer to Peer Lending | Scoop.it
Regular readers will recall that I am investing up to 5% of my portfolio in Peer to Peer Lending (P2PL) through Lending Club and Prosper.  This is an update on my investments.  I've written before about the downsides of P2PL, including: ...

Via P2P Consultants
Stu Lustman's insight:

An investor's perspective on P2P loans as an investment

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P2P Consultants's curator insight, July 21, 2013 9:04 PM

Good review of one person experience in p2p lending.

 

Biggest problem is time investing

 

Solution: Find a professional manager.