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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.
Many of the problems that drove the news cycle around Lending Club and Prosper in the last few weeks can be seen within the context of this shift from single end to end service platforms to a networked ecosystem.
In this research note we outline the players in this networked ecosystem and try to figure out where the puck is headed.
They are in the business of competing with credit cards for lending, but use the same marketing techniques as the credit card companies. Where the puck is headed: Entry of the Internet Platforms.
People get high credit card balances because that option is available at the point of sale. One interesting startup in this space is Credit IQ. These help you to see your overall financial picture and therefore plan how to reduce your interest costs by replacing your lender.
Origination Technology One reason why Marketplace Lenders grew so fast is simply that they have better technology to quickly process and analyse borrower applications. The usual rule is you can either build or buy technology. Two companies in the buy category include: Provenir is a revenue funded New Jersey, USA, based software company that offers analytics for fraud prevention.
Klarna is a client and the Klarna model is the most fundamental threat to the credit card networks. Fraud prevention is key to keeping default rates within range.
They work for all kinds of lenders, traditional as well as Altfi. The key is that the data they deliver meets the standards required by lenders. Two companies offering origination technology to Credit Unions could branch out:Value Chain The value chain also chain as value chain analysis is a concept from business management that was first described and populated by Michael Porter in A value chain is a chain of activities for activities for a firm operating in a specific industry.
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Insurance business has been a guard against life misfortunes in the past decades. The households, companies and governments Author: Farai Chigora.
May 19, · A value chain is the linkage of trading partners to improve trade through value-based relationships.
With the slowing of global growth, the supply chain organization's agenda is moving from a .