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P2P Lending and crowdfunding regulated by the UK FCA

Huy Nguyen Trieu's insight:

This is the policy statement by the UK FCA. In summary : p2p lending and crowdfunding are subject to "light-touch" regulations. Need to hold (little) capital, cannot be misleading in their marketing, and crowdfunding is subject to certain investment limits. It looks very reasonable to me, and is a very good regulatory foundation to start with. In my opinion, it will have to be reviewed when/if the sector is bigger. 

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Peer-to-Peer Lending Blogger Turns Investor - Bloomberg

Peer-to-Peer Lending Blogger Turns Investor - Bloomberg | Disruptive Finance and Fintech | Scoop.it
Peer-to-Peer Lending Blogger Turns Investor
Huy Nguyen Trieu's insight:

Quite a few institutional investors already invest in p2p loans, so it was logical to see the launch of a dedicated fund.

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What is peer-to-peer lending?

What is peer-to-peer lending? | Disruptive Finance and Fintech | Scoop.it
Investing in peer to peer lending can be a great way to boost your savings. Compare the best rates at MoneySuperMarket.com
Huy Nguyen Trieu's insight:

A proof - if any was needed - that the UK is very advanced in terms of p2p lending. Even comparison websites like MoneySuperMarket have a section about p2p lending !

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The Bitcoin Regulation Paradox | TechCrunch

The Bitcoin Regulation Paradox | TechCrunch | Disruptive Finance and Fintech | Scoop.it
Following the implosive death of the Mt.Gox Bitcoin exchange, a number of key players in the cryptocurrency space banded together to release a statement..
Huy Nguyen Trieu's insight:

Collapse of #MtGox opens the #regulations can of worms for #Bitcoin by @alex. It's very interesting to see Bitcoin players hinting at the idea of regulatory capital !

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MWC: Samsung Galaxy S5 hands-on review

MWC: Samsung Galaxy S5 hands-on review | Disruptive Finance and Fintech | Scoop.it
Samsung shows off the ruggedised upgrade to the Galaxy S4
Huy Nguyen Trieu's insight:

A closer step towards m-payments. # Samsung Galaxy #S5 integrated with PayPal

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Bitcoin’s Value Falls 10% As Faltering Mt.Gox Exchange Continues To Implode | TechCrunch

Bitcoin’s Value Falls 10% As Faltering Mt.Gox Exchange Continues To Implode | TechCrunch | Disruptive Finance and Fintech | Scoop.it
Mt.Gox promised to get its house in order, and get back to the Bitcoin community and its users today. It did, but didn't open up withdrawals, or set a firm..
Huy Nguyen Trieu's insight:

#Bitcoin drops to $100 on Mt Gox, shows that it still an OTC instrument with little liquidity

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P2P offers peerless rates but how secure is your investment? - Spears

P2P offers peerless rates but how secure is your investment? - Spears | Disruptive Finance and Fintech | Scoop.it
REURN TO LENDERIn 1999, a teenager named Shawn Fanning changed the music world for ever. With a piece of software called Napster, he made it possible for people to share their music collections...
Huy Nguyen Trieu's insight:

It's a very good summary of the p2p lending market in the UK. 

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World's biggest P2P loan of £4.15m helps developer turn Croydon office block into flats

World's biggest P2P loan of £4.15m helps developer turn Croydon office block into flats | Disruptive Finance and Fintech | Scoop.it
A property developer has taken crowd funding one step further by taking on the world’s biggest peer to peer loan of £4.15m to turn a Croydon office block into flats.
Huy Nguyen Trieu's insight:

The largest p2p lending transaction is in the suburbs of London, for a property developer. Unlike most p2p transactions, this is a secure transaction based on a real estate asset. Looks less risky at first sight, but the refinancing risk is significant. 

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The death of Mt Gox

Huy Nguyen Trieu's insight:

A very interesting article about the history of Mt Gox, its founder, and the problems it started to face a while ago...

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China’s Poor P2P Lending Models

China’s Poor P2P Lending Models | Disruptive Finance and Fintech | Scoop.it
The model used by some firms compounds already high credit risk.
Huy Nguyen Trieu's insight:

Is #p2plending safe? Waves of bankruptcies in China hurt consumers directly. This is interesting because p2p lending is seen as "safe" because of diversification but the Chinese example shows that risks cannot be underestimated. 

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Cut out the middleman and join a new money-saving craze

Cut out the middleman and join a new money-saving craze | Disruptive Finance and Fintech | Scoop.it
Thousands are giving loans, swapping currency or allowing commuters to park on their driveways. Tessa Crocket, pictured, rents out her living room.
Huy Nguyen Trieu's insight:

p2p lending is going VERY mainstream !  Also, part of a deep social trend of disintermediation #p2p lending

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