Is Lending Club Not Disruptive After All?

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Timothy Puls, an equity analyst for Morningstar is not sold on the Lending Club model. One of his chief critiques is that the platform does not provide a network effect, meaning that the value of the company doesn’t grow just because more users are on the platform.

Puls also feels that the underwriting and distribution model is easily replicable. And that’s not all, you can listen to his analysis in the video below:

Can’t see the video? Click here

Do you agree or disagree?

Last modified: September 21, 2015
Sean Murray

Category: p2p lending

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