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1、•CognizantReportsMarketplaceLending:AMaturingMarketMeansNewPartnerModels,BusinessOpportunitiesTomaintaintheirimpressivegrowth,marketplacelendingplatformsshouldfocusonprovidinggreatersecurityforinvestmentsandtransactions,ventureintoareassuchasremittances,andsetupviablep
2、artnershipswithtraditionalbanksandfinancialinstitutions.cognizantreports
3、July2014ExecutiveSummaryTheyalsoneedtounderstandthetypesofloansSincetheearly1990s,whentheInternetandthatborrowers/lendersareinterestedin,aswellonlinecommercebegantotakeshape,peer-to-asthefactorsdr
4、ivingdefaultrates.peer(P2P)transactionalsystemshavecontin-uedtoevolve.MuchliketheInternet,theyhaveTodeepenourunderstandingofmarketplacemorphedfromhighlycentralized,staticonlinelendingdynamics,weconductedadetailedstudyplatformstowidelydistributed,autonomousintheU.S.—sur
5、veyingbothborrowersandlenderssystemsthatspanthespectrum—fromB2Bandacrossawidearrayofmarketplacelendingcom-B2Ccommerce(Amazon.com),tolegaldeal-panies,agegroupsandincomecategories.Theings(complianceandreporting,loans)tomusicsurveywasconductedonlineamonganationally(Napste
6、r)andonlineauctionplatformssuchrepresentativesampleofapproximately11,000aseBay.Needlesstosay,thesepioneershaveU.S.consumers—roughly701ofwhomaremarket-radicallychangedhowbusinessesandconsumersplacelendersorborrowers—duringFebruaryandact,interact,buy,sellandserviceoverth
7、eNet.Marchof2014(seeourdetailedmethodologyonpage15).Ourgoalwastocaptureemergingtrends,Inthefinancialservicesindustry,P2Pfirstemer-aswellasthecurrentandfutureneedsoflend-gedin2005–focusingonlendingandborrowing.ersandborrowers,tohelporganizationsincreaseP2Plendingplatfor
8、ms,alsoknownasmarket-theuptakeofmarketplacelendingservices.placelendingplatforms,offeredanalternativetotraditionalbankingandpaymentsystems,Thestudyidentifieddistinctsetsoffinancialandsincetheycatertotheunderservedwithservicessocialcharacteristicsofborrowers.Theseattri-
9、likeconsumerlending,studentloans,realestatebutescanserveasabenchmarkwhenmakingandsmall-businesslendingmarkets.Whileth
