Can peer-to-peer lending succeed long-term?
This report from Wealthflow looks at crowdfunding and peer-to-peer lending to determine if they are the way of the future, or just a fad. The report concludes that they represent "an exciting innovation and the disintermediation of the banks is a welcome development. &nbsp;Our conclusion is that P2P lending is definitely not the same as placing a deposit with a bank; it is a high yield fixed income play with real risks to both capital and interest, operating through new companies and new technology...That said, lenders who do their homework, understand the risks...stand to obtain a higher return on their capital than they are getting in traditional bank and building society products....With new entrants, the risk of fraud or corporate failure is a material issue."
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