Founders' Blog
Peer to peer lending improves financial access and fosters economic inclusion.
Whether peer-to-peer lending is set to disrupt the banks or whether they will just be another customer acquisition channel for the banks is a hotly debated topic. The truth of the matter is that the assumptions underlying this debate are misplaced. …
Unbolted Co-Founder on the SEC (USA) crowdfunding regulations
Recently I wrote an article at the National Review on why the new SEC regulations allowing unaccredited investors to invest in equity offerings fro…
FCA may ban commission on P2P advice
Since the Retail Distribution Review(RDR) was implemented in 2003, financial advisers cannot receive a commission from product providers. The new r…
Why peer-to-peer loans are a more intuitive product for retail investors than equity
The peer-to-peer lending sector in the United Kingdom is much larger than the equity crowdfunding sector. There are many reasons for this, not least …
The Gold Loan Market: United Kingdom versus India
Borrowing against gold jewellery has been a fairly expensive proposition in the UK. Yes, there are many tempting offers from bullion dealers and cas…
Skin in the Game: Unbolted only makes money when lenders make money
A common criticism of the large peer-to-peer lending platforms is that they have no "skin in the game". For example, John Carney has argued that be…
Other News & Blogs
How To Buy It: Expert Tips on Watches
All watch brands with a very few exceptions will depreciate immediately after purchase. There are a few such as the grand complication Patek Philippes which are in such short supply and high demand that they can immmediately be sold for a profit.
Gold
Can gold be a good investment? Gold is unarguably a perfect metal for designing jewellery; the most obvious reason being the colour, but also as it is easy to work with, does not age or tarnish, alloy well with other metals and can easily be recyc…
Delays in FCA IFISA-approval for most P2P platforms
With the recent launch of the much-awaited Innovative Finance ISA (IFISA), it has become clear that the Financial Conduct Authority (FCA) has yet to approve a single big peer-to-peer (P2P) lender for involvement in the new tax-free savings vehicle. …