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Social Lending Will Challenge Bank Customer Relationships
12 December 2007
 
David Furlonger  

Social lending blends more-traditional charitable giving with a newer for-profit, individual-lending business. Banks may be disintermediated or leverage this phenomenon in future financial relationships, depending on their response.








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Table of Contents


    
 Analysis

1.0
    
 Introduction
2.0
    
 Traditional Bank Lending Versus Social Lending
3.0
    
 Social-Lending Financier and Interaction Types

3.1
    
 The Microfinanciers, NGOs and Charities Platform
3.2
    
 The Employers, Relatives and Friends Platform
3.3
    
 The Informal and Community Group — Individuals Platform
3.4
    
 The Informal and Community Group — Small-Business Platform
4.0
    
 The Big Unknown: Regulation
5.0
    
 Why Banks Should Pay Attention and What They Should Do

5.1
    
 Customer Acquisition Is Possible
5.2
    
 An Open, Many-to-Many Marketplace Is Being Established
5.3
    
 Credit Ratings Are Being Enhanced
5.4
    
 Customer Value Is Being Redefined
5.5
    
 Bank Technology Platforms Are Inadequate
6.0
    
 Recommendations

    
 Recommended Reading


List of Tables


Table 1.  
 Representative Financial Social Networks
 

Table 2.  
 Structural Differences Between Lending Types
 

Table 3.  
 Financier Types and Interaction Models
 

List of Figures


Figure 1. 
 A Model for Bank Engagement With MFOs
 



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Business Models
Banking Business Strategies
Emerging Trends
Lending Systems




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Resource Id: 562609