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Clear all filters- Milken Institute1h 0m
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This panel discussion examines the evolution of marketplace lending from a retail-focused model to one dominated by institutional capital, driven by advanced underwriting data and operational agility that bypass traditional banking constraints. Participants highlight key industry shifts, including the transition to "offer-first" application processes, the rejection of regulatory arbitrage, and the growing reliance on holistic data points rather than FICO scores to assess risk for both consumers and small businesses. With projections indicating a surge in online lending volume to $20 billion, the dialogue addresses how platforms are democratizing access while navigating regulatory complexities and competing against established banks and international markets like China.