Latest / London Fintech Podcast
LFP019 - Special Episode! P2P - Beyond the Metaphors with Rhydian Lewis CEO Ratesetter
P2P (online lending and borrowing) is plagued by media (old and new) descriptions in terms of what are often just metaphors - "P2P disintermediates banks", "P2P directly connects borrowers and lenders" et al. Furthermore with a number of different models emerging (which isn't always obvious to the "paying public") it gets less relevant to say "a P2P does X" as some of them might "do X" and some of them might not. Two key models are the more ~marketplace one (eg Lendinvest in LFP013) and the Ratesetter model which is a more savings-like ~fund (the FCA has kittens with those words but that's…
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