Research and Markets: Peer-to-Peer Lending: Market insight report

DUBLIN--()--Research and Markets ( has announced the addition of the "Peer-to-Peer Lending: Market insight report" report to their offering.

This report reviews the peer-to-peer lending market. It quantifies the scale of lending, historical growth rates, default rates and returns offered to savers while reviewing key factors behind these figures, looking at the UK and internationally.

It also carries out an in-depth analysis of the relevant drivers of peer-to-peer lending growth - including wider trends in banking and lending, other peer-to-peer trends and the regulatory environment. The view of the outlook for the industry presented in the report is based on this analysis of historical trends and drivers.

Peer-to-peer lending is an important and high-profile trend in the banking sector. In just a few years, platforms have emerged which have facilitated hundreds of millions of pounds, made mainly by consumers to other consumers and to small businesses.

The industry is frequently mentioned in the press with comments having particular focus on:

- The level of returns which it offers to savers, which are generally far higher than those from conventional banks

- The degree of risk that savers are incurring to obtain these returns and, in particular, the risk that returns may be impaired by future widespread default.

This report explores the background to these and other issues, exploring what has happened in the industry to key metrics such as levels of lending, returns and default rates, and the factors which lie behind trends.

It also examines the different business models of the main platforms, their target segments and performance and sets out our views on how we believe the peer-to-peer lending market could develop in future.

Who Should Buy This Report

- Peer-to-peer lending platforms

- Investors in those platforms

- Advisors including consulting firms, investment banks, lawyers and accountants

- Banks and other parties operating savings accounts and consumer / small business loans.

- Industry regulators and policymakers

Key Topics Covered

Peer-to-Peer Lending Overview

- Description of peer-to-peer lending

- Context

- Customer proposition: savers / lenders

- Customer proposition: consumer borrowers

- Customer proposition: small business borrowers

- Business models

- Shift from marketplace to structured savings product model

Peer-to-peer lending market size and growth

Peer-to-peer lending market drivers

- Decreasing bad debt rates

- Peer-to-peer lending market conditions

- Use of wholesale funds

- Awareness and marketing efforts of platforms

- Regulation

- Tax treatment

- More new entrants and niche focus

Leading Peer-to-peer lenders


- Drivers of future growth

- Peer-to-peer lending market growth forecasts

- Risks: fall in the rates offered to savers

- Risks: widespread default leading to poor returns

- Response and role of conventional banks

- Opportunities for existing platforms and new entrants

Appendix - Peer-to-peer lending market definitions and abbreviations

Companies Mentioned

- Assetz Capital

- Auxmoney

- Barclays

- eMoneyUnion

- Folk2Folk

- Funding Circle

- FundingKnight

- Funding Secure


- IsePankur

- Lending Club

- LendInvest

- Lloyds Banking Group

- Mayfair Bridging

- PiggyBank

- Pret d'Union

- Prosper Loans Marketplace

- RateSetter


- Santander

- Smartika

- Squirrl

- ThinCats

- YouAngel

- Zopa

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About Research and Markets

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Research and Markets
Laura Wood, Senior Manager.
U.S. Fax: 646-607-1907
Fax (outside U.S.): +353-1-481-1716
Sector: Banking and Financial Services


Research and Markets
Laura Wood, Senior Manager.
U.S. Fax: 646-607-1907
Fax (outside U.S.): +353-1-481-1716
Sector: Banking and Financial Services