Noah Breslow

What Online Lending Means for Banks, Businesses and Borrowers

Amy Cortese, Jeff Bogan, Noah Breslow, Lou Feldman, Sam Hodges, Aaron Vermoot

Marketplace lending is projected to surge from $9 billion to $20 billion by leveraging advanced machine learning underwriting and digital aggregators to bypass traditional banking inefficiencies. This growth is sustained by a shifting investor base dominated by institutional capital and a robust regulatory framework that enforces strict compliance while eliminating systemic moral hazard. As the industry expands globally into markets like China and Australia, established platforms are increasingly partnering with major banks and tech giants to address universal small business capital gaps without compromising risk management standards.