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ARTICLE · 21 JUNE 2016

Marketplace Lending - A Temporary Phenomenon?

Deloitte
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Does marketplace lending represent a disruptive threat to banks' core lending and deposit-gathering business? Or are they a temporary phenomenon?

United KingdomFinance and Banking
Ian Foottit
Ian Foottit
Neil Tomlinson
Neil Tomlinson
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Does marketplace lending represent a disruptive threat to banks' core lending and deposit-gathering business? Or are they a temporary phenomenon? And how should banks respond to these new market entrants?

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Overview

The combination of new technologies, increased regulation and ever-evolving consumer demands is eroding many of the banks' core competitive advantages, creating ideal conditions for new market entrants to challenge the traditional banking model.

'Marketplace lending – a temporary phenomenon?' analyses the extent to which the traditional banking model is being disrupted by the rise of Marketplace Lenders (MPLs) and seeks to answer the following questions:

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