Post Tagged with: "Credit Markets"

The Emerging Value Chain Ecosystem in Marketplace Lending

The Emerging Value Chain Ecosystem in Marketplace Lending

by June 17, 2016 at 1:00 am 2 comments

In ye olden days it was called P2P Lending. You can still see the vestiges of that model in services such as Lending Club and Prosper. Everything happened on one service. However as these marketplaces grew, a networked ecosystem has started to emerge. We are 100% confident that this networkedRead More

Alternative ways to score consumer credit worthiness in the global Underbanked market

Alternative ways to score consumer credit worthiness in the global Underbanked market

by November 27, 2015 at 12:02 am 0 comments

  Fair Isaac Corporation, which invented the FICO score, was founded way back in 1956. The FICO score was one of the great Fintech innovations before the term Fintech was coined and the company is now publicly traded (symbol is FICO of course), with a market cap over $2.8 billion.Read More

Funding Circle is a ‘company from here doing rather well over there.’

Funding Circle is a ‘company from here doing rather well over there.’

by October 27, 2015 at 2:41 am 0 comments

If that headline resonates, you have been carbon dated. You must be old enough to remember Hanson Trust (or enjoy business history). This BBC obituary for Lord Hanson explains why that was Hanson Trust’s advertising slogan. “CBI director general Digby Jones said Lord Hanson’s cross investments in the US, withRead More

LendingRobot and NSRInvest, “les fiancées” of LendingClub

by August 24, 2015 at 3:37 am 0 comments

By Efi Pylarinou It has been bloodbath out there this past week and this Monday looks dismal for Europe and the US with Asia leading an 8+% decline. Publicly traded Fintech companies have not escaped the plunge. Lending Club (LC) and OnDeck (ONDK) are down more than 50% ytd (basedRead More

Technologies for the storm in fixed-income

by May 18, 2015 at 2:43 am 0 comments

By Efi Pylarinou “The current fixed income trading environment is creating a ‘perfect storm’ for fixed income trading technology” from Mark Watters, Director of AxeTrading. I spoke about the fatal combination of regulatory changes, record low interest rates, continued strong bond issuance, and fragmented liquidity as the continuing challenges forRead More

Algomi Connecting Fixed Income Buy and Sell side by enhancing distribution 

by March 23, 2015 at 6:42 am 0 comments

By Efi Pylarinou The fixed income market is huge (approaching $100 trillion) but it doesn’t have the liquidity and transparency of the Currency markets and is very different than the equity markets. Three key facts help to understand this massive market: –       Only 1.5% of outstanding bonds actually trade every day. –       Very few bonds tradeRead More

Fintech 1000: Lending Marketplace Ecosystem 

by March 5, 2015 at 4:27 am 0 comments

A financial marketplace, like a social networking site, tends towards monopoly or oligopoly due to network effects. A few years ago tech bloggers were inundated with news of yet another social network. We all know how that ended – Facebook dominant, with LinkedIn and Twitter in niches – and theRead More

Credit Karma Free Credit Data – Like Going To Car Dealers Knowing What They Know

by February 2, 2015 at 3:02 am 1 comment

Credit Karma caught my eye because they are on the WSJ Billion Dollar StartUp List. This led me to ask “how many real Fintech Unicorns are in the Billion Dollar Startup Club”. It is a short list with Square, Stripe, Lending Club and Credit Karma. Lending Club has broken outRead More

OnDeck IPO puts focus on Customer Acquisition Costs

OnDeck IPO puts focus on Customer Acquisition Costs

by November 24, 2014 at 1:13 am 1 comment

Alternative Credit is scaling fast today, with ventures headed to IPO. OnDeck will be the first out of the gate. It is likely that Lending Club, Kabbage and Prosper will follow. This will give OnDeck a tremendous branding opportunity. It will also put OnDeck under intense scrutiny. The weakness in the Alternative Credit model is […]

The fast money moving into P2P lending and the danger of another subprime meltdown

by October 24, 2014 at 4:01 am 0 comments

Hope springs eternal, but math is merciless. Financial innovation makes us hope for better outcomes for all. We hope that the securitization of mortgages leads to more people being able to afford to own their own homes. Seven years after the subprime mortgage meltdown, we hope that P2P Lending will enable people and small businesses […]