For some years, technology and finance have allied, resulting in the birth of new platforms whose objectives are to make traditional financial processes that are becoming limited faster and more efficient. One of the examples of these new revolutionary trends is the system of crowdlending, also known as P2P Lending: “loans between people or pairs” (P stands for peer or colleague).

The process for P2P loans is simple: investors lend directly to people, through an intermediary that uses an online platform (Fintechs such as Zopa, Funding Circle, Blackmore). The intermediary (the platform or app) analyses the credit requests and creates a risk profile for each one. Those applications with viable risk are packaged in groups, and investors provide the financial resources to grant the credit. Each intermediary establishes different risk rules, rates, conditions and ways of organising loans, but the general concept is always the same.

This process relieves the bank of its role as a lender. The intermediary in the P2P Lending model finds credit applicants and analyses their risk, but resources are provided by investors. The bank’s traditional role is eliminated, providing advantages such as speed, higher returns and the choice of project in which the investor wishes to put their resources.

In order to talk about P2P Lending, new trends in apps, regulations, jobs, personalities, etc., an industry expert, Claus Lehmann, has created “P2P-BANKING.COM”. Claus has been following the development of this new industry since 2006, creating a growing community of more than 20,000 monthly readers.

“P2P-BANKING.COM” has become the biggest source of information and news about P2P Lending among regular investors, with its primary audiences in places such as Germany, Switzerland, Austria and other countries around the globe.

Claus Lehmann, its author, is an expert industry investor, who also works with “Finventor”, a printed and digital newspaper, collaborating with the main news and interviews that are related to Fintech companies and Crowdlending. Lehmann’s articles have been quoted  by major newspapers and magazines such as the Financial Times, Javelin Strategy, Springwise.com, Wall Street Journal, Finanztest, German TV, Dagensit Norway, Deutsche Bank and AltFi News.

There is an open invitation for anyone wishing to learn more about Crowdlending and P2P from Lehmann.

Find out more at http://www.p2p-banking.com/.