P2P lending platforms have a 400–425 basis point advantage over traditional banks in loan origination. Retention of customers who have used a P2P platform before is high, with 75% saying they would approach one again when seeking a loan. Fractional lending and alternative credit risk assessments allow platforms to reduce exposure to default and asses risk more accurately than banks. The domination of institutional investors does pose a risk to the sustainability of some P2P platforms.


Verdict Financial’s P2P Lending: Responding to Disruption report is a comprehensive analysis of the rise of Peer-to-Peer consumer lending and its impact upon retail banks’ borrowers. The report details the impact of P2P lenders upon banks’ deposit bases. The report shows the growth of P2P lending platforms across the globe and highlights which markets are most at risk from disruption. Readers will gain a thorough understanding of the development and evolution of P2P consumer lending over the last decade. In addition, the report focuses on how P2P lending works and how this contributes to the platform’s competitive advantage. Lastly the report recommends improvements banks should make to their own business, in addition to highlighting their own strengths in relation to customer lending and how these can be leveraged to compete with P2P lending platforms.

Reasons to Buy

Identify emerging consumer trends in lending and learn how to re-orientate your business accordingly.

Understand the threat posed by P2P consumer lending platforms in your individual market.

Learn about the strengths of P2P consumer lending platforms and how they are able to offer customers a superior experience in terms of cost and ease of access.

Gain tactical insight into what changes can be made to banks’ operations and business strategies.

Learn about the focus of P2P consumer lending business and how these platforms are positioning their business for the future.

Key Players

Lending Club
Banc Alliance
Giff Gaff
Metro Bank

Table of Contents


P2P lending platforms are leaner, more dynamic, and more customer-friendly

P2P lending is rapidly growing in the UK due to conducive regulation, as well as the platforms themselves

Key findings

Critical success factors


Banks face a formidable threat from a faster, cheaper, leaner rival

Chinese banks are most exposed to the greater competition from P2P lending

This report focuses on the threat to banks' loan business rather than deposits

P2P platforms hold a 400+ basis point cost advantage over traditional banks

Returns have attracted large institutional investors to P2P platforms

P2P platforms have directly targeted the banks' core prime customers

P2P platforms are building strong levels of advocacy

Strengths of P2P platforms

Fractional lending reduces default risk and lowers interest rates for borrowers

Intermediated funding models provide P2P platforms with faster and easier loan origination

Deeper, more accurate credit risk models allow P2P platforms to offer more competitive rates

P2P lending platforms have high retention levels among borrowers

Key takeaways


Abbreviations and acronyms


Verdict Financial's 2015 Retail Banking Insight Survey

Markets included in each region


About Verdict Financial


List of Tables


List of Figures



Can be used by individual purchaser only


Can be shared globally by unlimited users within the purchasing corporation e.g. all employees of a single company

Undecided about purchasing this report?

Enquire Before Buying

Get in touch to find out about our multi-purchase discounts

Tel +44 (0) 20 7947 2960

Every customer’s requirement is unique. We understand that and can customize the report basis your exact research requirements pertaining to market insights, innovation insights, strategy and planning, and competitive intelligence. You can also avail the option of purchasing stand-alone sections of the report or request for a country specific report.


“The GlobalData platform is our go-to tool for intelligence services. GlobalData provides an easy way to access comprehensive intelligence data around multiple sectors, which essentially makes it a one-for-all intelligence platform, for tendering and approaching customers.

GlobalData is very customer orientated, with a high degree of personalised services, which benefits everyday use. The highly detailed project intelligence and forecast reports can be utilised across multiple departments and workflow scopes, from operational to strategic level, and often support strategic decisions. GlobalData Analytics and visualisation solutions has contributed positively when preparing management presentations and strategic papers.”

Business Intelligence & Marketing Manager, SAL Heavy Lift

“COVID-19 has caused significant interference to our business and the COVID-19 intelligence from GlobalData has helped us reach better decisions around strategy. These two highlights have helped enormously to understand the projections into the future concerning our business units, we also utilise the project database to source new projects for Liebherr-Werk to use as an additional source to pitch for new business.”

Market Analyst & Management, Liebherr-Werk

Your daily news has saved me a lot of time and keeps me up-to-date with what is happening in the market, I like that you almost always have a link to the source origin. We also use your market data in our Strategic Business Process to support our business decisions. By having everything in one place on the Intelligence Center it has saved me a lot of time versus looking on different sources, the alert function also helps with this.

Head of Key Accounts, Saab AB

Having used several other market research companies, I find that GlobalData manages to provide that ‘difficult-to-get’ market data that others can’t, as well as very diverse and complete consumer surveys.

Marketing Intelligence Manager, Portugal Foods
Financial Services
Mexico Cards and Payments - Opportunities and Risks to 2027
$2,750 | September 2023
Financial Services
Insurance Australia Group - Digital Transformation Strategies
$1,495 | September 2023