P2P（Person-to-Person）ローン：高い消費者需要見通しと金融機関の参加

Abstract

Overview

Person-to-person (P2P) lending integrates online social communities with financial services and represents the next level of consumer-driven financial interaction. This report examines the market potential of P2P lending services in the immediate term, focusing on the potential impact on credit card debt. Javelin quantitative data reveals the consumer groups most engaged in the P2P space and their motivations for participating. It also forms the basis of an analysis as to how FIs fit in with social lending communities, and the ways in which they can develop partnerships with such communities to retain deposits, influence brand affinity, and evolve their institutions with Web 2.0 developments.

Primary Questions

• Which FI lines of business will be most impacted by P2P lending in the near term?
• Who is using P2P lending and why?
• How can traditional financial institutions participate in the P2P lending space?

Table of Contents

• Overview
• Primary Questions
• Findings and Analysis
• Increased Interaction between Consumers Represents the Future of Financial Services
  • Demand growth of P2P lending
  • What is person-to-person lending?
  • P2P lending in the immediate term: Not yet a competitive threat
  • How P2P lending could be a competitive threat to financial services providers
• P2P Lending Takes Away Consumers in High-demand
  • Can awareness of social lending services lead to adoption?
  • P2P lending among younger consumers adversely affects deposit growth at FIs
• Discovering the Role of the Financial Institution in P2P Lending
  • Better rates of return and helping others are greatest appeals of P2P lending
  • Behind-the-scenes participation: Holding institutions and secondary markets
  • Partnerships with P2P lending communities are the best way to be involved in the space
  • Social lending community partnerships create positive brand sentiment
• Appendices-Additional Data about Person-to-Person Lending
• Methodology
• Related Research

Table of Figures

• Figure 1 Forecast of Demand Growth of P2P Lending to Pay Credit Card Balance, 2007-2012
• Figure 2 Screenshot of Prosper Marketplace
• Figure 3 Screenshot of Virgin Money USA Business Loans Page
• Figure 4 Consumers Likely to Use P2P Lending to Pay a Credit Card Balance by Income
• Figure 5 Awareness of Social Lending Sites by Income
• Figure 6 Likelihood of Lending Funds through Social Lending Communities by Age
• Figure 7 Motivations for Using Social Lending Companies to Lend Money by Income
• Figure 8 Screenshot from Zopa UK Homepage
• Figure 9 Screenshot of Prosper Marketplace Homepage
• Figure 10 Likelihood of Consumers Carrying a Balance to Use P2P Lending by Age
• Figure 11 Awareness of Social Lending Web sites by Age
• Figure 12 Likelihood of Lending Money through Social Lending Services by Income
• Figure 13 Motivations for Lending Money through Social Lending Services
• Figure 14 Likelihood to Request a Loan through a Social Lending Service by Age
• Figure 15 Motivations for Borrowing Money through Social Lending Services