Abstract
Overview
Person-to-person (P2P) lending integrates online social communities with
financial services and represents the next level of consumer-driven financial
interaction. This report examines the market potential of P2P lending services
in the immediate term, focusing on the potential impact on credit card debt.
Javelin quantitative data reveals the consumer groups most engaged in the P2P
space and their motivations for participating. It also forms the basis of an
analysis as to how FIs fit in with social lending communities, and the ways in
which they can develop partnerships with such communities to retain deposits,
influence brand affinity, and evolve their institutions with Web 2.0
developments.
Primary Questions
- Which FI lines of business will be most impacted by P2P lending in the
near term?
- Who is using P2P lending and why?
- How can traditional financial institutions participate in the P2P lending
space?
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