Peer to peer lending

In the unit 3 discussion board, the focus to learn more about the common credit score measures used by financial institutions. For this assignment, we will move beyond the traditional lending model and explore how technology is enabling non-traditional financial service models to take root. For this assignment, you will be explore the emerging Peer to Peer lending environment and consider how social media and the Internet are impacting the world of personal finance.

Your response should be at least 3 pages double-spaced and answer the following questions:

  • What is peer to peer lending and how is it different than traditional lending?
  • How do peer to peer firms and users assess risk for a given loan?
  • Is peer to peer lending a growing market? If so, Why?

Thinking beyond peer to peer lending, what other ways has social media and the Internet impacted how we procure and use financial services in our personal lives?

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