Zopa and P2P lending in the UK
Zopa and P2P lending in the UK
Christine Farnish CBE Chair Zopa Ltd
P2P Model in the UK
14 years ago, Zopa invented a new model of lending
direct legal contract
Funding
Investors
Receive principal + interest
Usually retail consumers and
institutional money
P2P platform (36H permissions)
Platform facilitates lending and undertakes risk management
Funding less loan origination fee
Pay back principal + interest
+ servicing fee
Borrowers
Retail consumers or established SMEs
Note: Investors usually pay a fee when selling their investments.
Strictly Private & Confidential
3
P2P lending is a more direct alternative to traditional lending models
Source: Oxera 2016, The economics of peer-to-peer lending.
Strictly Private & Confidential
4
The UK market has provided the conditions to support the growth of P2P lending
1
Digitally savvy consumer base with high adoption of digital for retail propositions
An advanced and robust regulatory regime 2 recognising the need for increased competition and
innovation outside of traditional markets 3 Strong financial services skillset and network of
supporting service businesses (e.g. credit bureaus)
Strictly Private & Confidential
5
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