Peer-to-Peer Lending News & Opinion | Lending Works Blog

Credit risk performance update - April 2020
Ines Maia - 30 April 2020
Summary of a post.
Credit risk performance update - January 2020
Ines Maia - 29 January 2020
In line with our risk management framework, today we published our Q4 2019 performance update.
A new era of regulation for P2P lending
Scott Robertson - 12 December 2019
On Monday this week, a new FCA regulatory framework came into effect for peer-to-peer (P2P) lending in the UK, in line with June’s PS19/14 Policy Statement.
Lending Works ranks 21st in the Sunday Times Hiscox Tech Track 100
Scott Robertson - 6 September 2019
As a platform, we take great pride in all that we've achieved since opening our doors for business nearly six years ago. We’ve
New product updates live!
Scott Robertson - 22 July 2019
Since opening our doors back in 2014, we’ve always prided ourselves on living and breathing two key principles at Lending Works: innovation, and putting the customer first in everything we do.
A guide to the new peer-to-peer lending FCA regulations (PS19/14)
Scott Robertson - 14 June 2019
On 4 June 2019, the Financial Conduct Authority (FCA) released its new regulatory framework for peer-to-peer lending (P2P); a Policy Statement known as PS19/14. As you might imagine, it's a document which, following a three-month consultation, is a hefty read of no fewer than 102 pages.
The best of 2018 for Lending Works
Scott Robertson - 18 December 2018
As 2018 draws to a close, with our bellies full of Christmas turkey, it's only natural to look back on the past 12 months and reflect. No doubt, it's been a turbulent one economically and politically, and not everyone has had it all their own way.
Lending Works completes the hat-trick at Moneywise Customer Service Awards
Scott Robertson - 13 June 2018
If you're going to take a shine to an awards event, why not do it at the biggest one of them all?
Savings, P2P and a better way to grow your money
Scott Robertson - 31 May 2018
A recent study by Which? (published by Moneywise) has shone a spotlight on the practices of banks and other high-street financial institutions regarding the way savers and borrowers are treated.
How will an increase in Bank of England rates affect P2P lending?
Scott Robertson - 18 April 2018
With each passing day, savers are filled with hope that substantial and sustained increases to Bank of England (BoE) rates are on the cards.
Lending Works makes it £100 million - and counting!
Scott Robertson - 12 April 2018
This past week, Lending Works cemented its place as one of the UK’s biggest peer-to-peer lending platforms, surpassing the £100 million mark in terms of pounds lent.

Featured

Credit risk performance update - April 2020
Ines Maia - 30 April 2020
Summary of a post.
Credit risk performance update - January 2020
Ines Maia - 29 January 2020
In line with our risk management framework, today we published our Q4 2019 performance update.
Lending Works ranks 21st in the Sunday Times Hiscox Tech Track 100
Scott Robertson - 6 September 2019
As a platform, we take great pride in all that we've achieved since opening our doors for business nearly six years ago. We’ve
New product updates live!
Scott Robertson - 22 July 2019
Since opening our doors back in 2014, we’ve always prided ourselves on living and breathing two key principles at Lending Works: innovation, and putting the customer first in everything we do.
What is Retail Finance?
Scott Robertson - 28 June 2019
With the retail sector enduring its fair share of challenges, companies are looking at new ways to attract customers, and drive conversion. In an overcrowded, dog-eat-dog marketplace, with behemoths such as Amazon flexing their muscle, it’s easier said than done.
A guide to the new peer-to-peer lending FCA regulations (PS19/14)
Scott Robertson - 14 June 2019
On 4 June 2019, the Financial Conduct Authority (FCA) released its new regulatory framework for peer-to-peer lending (P2P); a Policy Statement known as PS19/14. As you might imagine, it's a document which, following a three-month consultation, is a hefty read of no fewer than 102 pages.

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Our take on Budget Day 2020
Anthony Burgess - 13 March 2020
Wednesday’s Budget speech, coupled with the cut to Bank of England rates, represented a decisive response to the coronavirus. Here we analyse the impact it will have on mitigating disruption from Covid-19, along with the long-term implications of this significant fiscal stimulus.
A crucial Budget for UK enterprise
Anthony Burgess - 3 March 2020
Rumblings from the Treasury ahead of next week's Budget suggest tax grabs will be needed to fund increased spending, and it appears UK enterprise could be in the firing line. Here we articulate why targeting entrepreneurs and small business is ill advised.
How to improve conversion rates
Scott Robertson - 28 June 2019
In a difficult climate, customer acquisition and lead generation present stern challenges for UK retailers, and a great deal of marketing spend invariably gets directed towards getting feet through the door.
5 ways to improve customer retention
Scott Robertson - 27 June 2019
There is a variety of literature and research illustrating the importance of building brand loyalty, albeit with some degree of variance.
The rise of challenger banks
Michael Todt - 21 April 2016
Over the last decade, there can be little dispute that the reputation of mainstream banks – and particularly the so-called ‘Big Four’ (HSBC, Barclays, Lloyds and RBS) – is at its lowest ebb.
Peer-to-peer lending explained
Nicholas Harding - 2 March 2015
The idea of peer-to-peer (P2P) lending is a simple one; you lend money to those who wish to borrow, with a view to receiving a great return for doing so.

Recent

IFISAs: an appealing middle ground this ISA season
Anthony Burgess - 18 March 2020
The 2019-20 ISA season has been a damp squib, with banks disinterested in attracting savers’ cash, rates cut, and the stock market in freefall. However, the emergence of the IFISA means alternatives beckon for those seeking a stable middle ground in terms of risk and reward.
Why do asset prices keep climbing?
Anthony Burgess - 25 February 2020
In a decade of slow recovery, the rapid rise in asset prices has been the standout. But how sustainable has price growth been, and could we be in the midst of a bubble?
Fear not for British retail – an exciting future awaits
Robbie Humphreys - 19 February 2020
Summary of a post.
Income Tax: It’s here to stay
Anthony Burgess - 11 February 2020
Most people consider income tax to be a given, but in the UK it is barely two centuries old. In this article, we look at how this tax has developed over the years, and also why it is set to remain at the core of our tax system for many decades to come.
Open banking: slow, but steady progress
Anthony Burgess - 5 February 2020
Open banking celebrated its second birthday last month, but has the ‘revolution for financial services’ that was promised actually come to pass? In this article, we look at the progress the initiative has made so far, and what the future holds in the face of high levels of scepticism.
Has the energy price cap worked?
Anthony Burgess - 28 January 2020
On the face of it, a 'broken' energy market needed fixing, and the price caps introduced in early 2019 were heralded as the solution. But, one year later, have they actually helped consumers save?

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