P2Plainaaminen
P2Plainaaminen, or peer-to-peer lending, is a method of borrowing and lending money through online platforms that connect individual lenders with borrowers, bypassing traditional banks. The model emerged in the early 2000s in the United Kingdom and United States and has since expanded globally, including Europe and Asia.
How it works: Borrowers submit loan requests detailing purpose, amount, and repayment schedule. The platform evaluates
Investment considerations and risks: Lenders earn interest, but face default risk, liquidity risk, and platform risk.
Regulation and safety: P2P lending platforms are generally regulated as financial services providers in their jurisdiction.
Impact and market: The sector can lower borrowing costs for some customers and offer investors access to