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Adapting to Innovations in Marketplace Lending Hot Topics Q&A

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Os mercados de crédito viram muitas mudanças recentemente, incluindo inovação espantosa, o aumento de financiadores do marketplace em todo o mundo e novos produtos de crédito de grandes empresas de tecnologia, como a Amazon. That innovation is driving existing lenders to rethink their infrastructure and processes to become more nimble while regulators begin focusing on the new entrants (e.g., The US Treasury Department recently issued a whitepaper on potential disparate impact and fair lending for marketplace lenders). These changes require traditional firms to be agile and adapt quickly to new innovation, new players and new regulation, all the while improving the customer experience.

Tim Van Tassel, Vice President and General Manager of FICO’s Credit Risk practice, weighs in on the subject of how marketplace lending is changing the credit landscape, and what that means for both new marketplace lenders and traditional credit-grantors.