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12 September 2026
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Marketplace or P2P lending has come a long way in Australia in the last five years. Most investors will be surprised by the type of borrowers and purposes of the loans, and how they are priced.
ASIC's recent report on marketplace lending provides a statistical base to study the different features of the industry. It continues to grow strongly but at a slower rate than previous years.
Marketplace or peer-to-peer lending is well established overseas and growing rapidly in Australia, but investors should understand the risks and the returns, as described in the first part of this debate.
In the second part of this debate on marketplace lending, a market participant explains the steps taken to mitigate the risks in lending for consumer credit.
The peer-to-peer (P2P) or marketplace lending market is winning market share, but there is a question whether it is truly a market of peers, or more an aggregator of small loans for large investors.
As fintech funding platforms and instant payment systems grow, small businesses will benefit from greater choice and bargaining power when it comes to obtaining finance and managing cashflows.
Although many people regard FinTechs as threats to banks and large incumbents, most of the new kids on the block see the value in forming beneficial relationships and cooperating rather than competing.
Advances in technology have allowed peer to peer lending to thrive, offering credit to more potential borrowers at lower interest rates than those offered by banks. How does it work and will it last?
Peer-to-peer lending allows borrowers and lenders to come together via online market places. Although in its infancy compared with overseas, the P2P lending model is now gaining traction in Australia.
For the last few years there has been much talk of a 'cost-of-living' crisis in Australia and of 'falling living standards'. Lately this has flared up again with the pickup in inflation resulting in a renewed fall in real wages.
Fear of running out has become a defining retirement anxiety. Why do some retirees die with substantial wealth while others deplete their nest egg? Evidence suggests the answer is more complicated than we think.
What if Australia’s golden age of dividends is ending? Rather than overhaul your portfolio, it may be worth considering where new capital can work harder. I discuss four income strategies and the trade-offs behind each.
Conventional wisdom encourages retirees to preserve superannuation. But if those likely to qualify for the Age Pension later in life spend a little more today, it may deliver higher lifetime income and a more stable retirement.
Tax rules have changed, but many investors are still using yesterday’s strategies. Insurance bonds may offer advantages for those seeking greater control, tax efficiency and certainty about their wealth.
Treasury’s latest CGT reform draft delivers a win for testamentary trusts and deceased estates, exempting estate-derived gains from the 30% floor. However, questions on death and divorce rollovers remain unresolved.