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    This individual Report An Introduction to Peer-to-Peer Lending: A European Perspective is available for purchase. This Report is available to members of Mercator Advisory Group’s Global Payments Advisory Service. Please be advised that this Report is normally part of a research and advisory service that provides ongoing support throughout the year. As such, this Report contains significant depth of content that is selected for its strategic importance to our members. (For a description of these services, see our Advisory Services section).

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An Introduction to Peer-to-Peer Lending: A European Perspective

Peer-to-Peer Lending Platforms Revolutionizing Traditional Practices

Mercator Advisory Group's research on the European Peer-to-Peer Lending Services

Video Press Release

Members Only – Executive Summary

Since the 2008 global economic and financial crisis, individuals and businesses around the world have struggled to obtain financing from traditional lenders. In Europe the difficulty in obtaining new financing has been drawn out further by the instability among member states participating in the eurozone. As a result of this ongoing financing constraint, individuals and businesses have looked to alternative sources to obtain funding. To fill this market niche, new financing models have been created in the past few years and new providers have entered the market with platforms that match investors with prospective borrowers. These services enable individuals and small to medium-sized enterprises that cannot obtain loans from traditional lenders to obtain the funding they need for a new car, to pay off credit cards, or to expand their businesses.

Mercator Advisory Group’s research report, An Introduction to Peer-to-Peer Lending: A European Perspective analyzes the new and fast growing payments segment known as peer-to-peer (P2P) lending and the business models underpinning it. This report focuses on P2P lending providers in the European market, in particular the U.K., profiling the leaders in both the consumer segment and the business lending market.

“Because P2P lending volumes today are equivalent to only a small fraction of the lending undertaken by traditional financial institutions, P2P lending platforms can be viewed as an interesting development but not a competitive threat to traditional lenders. However, the emergence of P2P lending is a valuable new source of financing in the post-2008 global economic and financial world and has the potential to close the ‘credit gap’ in mature and developing markets and allow consumers and businesses to obtain financing that can benefit the overall economy,” comments Tristan Hugo-Webb, Associate Director, Global Payments Advisory Service at Mercator Advisory Group and the primary author of the research.

This report contains 24 pages and 7 exhibits.

Companies mentioned in this report include: Bitbond, Funding Circle, Lending Club, Lloyds Banking Group, Peer2Peer Finance Association, Prosper, RateSetter, Royal Bank of Scotland, Santander UK, ThinCats, and Zopa. Also noted are Assetz Capital, Auxmoney, Call Credit, Comunitae, Bondura, Equifax, Finansowo, FriendsClear, FundingKnight, Lendico, Lending Works, Pret d’Union, Smartika, Smava, TrustBuddy, Zank, as well as MoneyAuction, Popfunding, Rangde, RainFin, and Society One.

Members of Mercator Advisory Group’s Global Payments Advisory Service have access to these reports as well as the upcoming research for the year ahead, presentations, analyst access, and other membership benefits.

Highlights of the report include:

  • Overview of P2P lending models and business proposition for consumer and SME business lending segments

  • Review of European P2P lending landscape for both consumer and SME business lending with profiles of key players in both segments 

  • Map of European P2P lending market identifying players targeting various countries

  • Examination of P2P lending regulatory models and perceptions in Europe and elsewhere around the world