At MonJa, we strive to support industry watchers and investors further their understanding of the marketplace lending sector. Several financial enterprises release their investment outlooks on marketplace lending. Here are some general trends to be cognizant of:
– FinTech Partners’ February 2018 Overview– The PDF reports provide a broad coverage of transactions specifically in the alternative lending space.
–K&L Gates FinTech Regulatory and Litigation Landscape – 2017 Consumer Financial Services Symposium. Expanding lending: promises and risks of “BIG DATA” and its use in FINTECH/ marketplace lending
–The International Comparative Legal Guide to: Lending & Secured Finance 2017 Marketplace Lending, Chapter 21 – A practical cross-border insight into lending and secured finance Published by Global Legal Group
–K&L Gates Stay informed: Structuring Bank and Fintech Collaborations by Stanley V. Ragalevsky, Robert M. Tammero – Some bankers view the rapid rise of “fintech” as an existential threat to traditional banks, especially community banks. But while fintech surely is changing financial services, it is also creating new opportunities for banks.
– Moody Outlook: Marketplace Lending Platforms Will Continue to Evolve, Expand Loan Types – Would credit quality of ABS transactions weaken? How would investors assess risk as originators, such as SOFI, expand to a broader borrower base? Moody’s announcement of reviewing Class C Notes is a sign that investors should not only monitor delinquencies but also the underlying underwriting characteristics of these loans.
–K&L Gates 10 Things to Know before Catching Securitization Wave Here’s a brief overview of structural issues and regulations that investors should pay attention to before embarking on securitization of marketplace loans.
–Autonomous Research Digital Lending Report – Aggregating all forms of marketplace lenders, Autonomous reports that there is a $2 trillion addressable market for US and Europe. Under their predicted growth, digital lending could amount to $100 billion in loans by 2020.
–Freddie Mac’s Investment Outlook Office of the Chief Economist takes note of marketplace lending and begs the question if marketplace lending will be the “next Uber or another flash in the pan.”
–FinTech Partners’ July 2016 Alternative Lending Market Analysis– Broad coverage of transactions specifically in the alternative lending space.
–US Dept. of the Treasury: Opportunities and Challenges in Online Marketplace Lending– An overview of the RFI’s submitted by industry participants last summer and policy recommendations to encourage the safe growth of marketplace lending.
–PwC’s From Idea to Innovative Market Leader: A Roadmap for Sustainable Marketplace Lending Growth– A guide to help current and developing marketplace lenders create strategies throughout the four-stage roadmap.
–Milken Institute: The Non-Bank Finance Landscape– An in-depth landscape of various marketplace lenders that explains different business models in the online lending ecosystem.
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