Capco: Peer-to-peer lending – game-changer or business as usual?

Will peer-to-peer lending change the personal loans market beyond recognition? Or will increasing regulation and overheads erode its differentiators? Traditional savings products are not attractive at the moment, with typical interest rates for one-year cash ISAs at less than 2%. At the same time, peer-to-peer lenders such as RateSetter and Zopa suggest their lenders can receive long-term returns of 4% or higher. So it is no surprise that the UK peer-to-peer lending market is growing