Summary

このレポートはオルタナティブ・レンディング（ソーシャルレンディング）市場を調査し、2023年までの市場を予測しています。

主な掲載内容　　※ 目次より抜粋

1. 重要点＆戦略的提言
2. オルタナティブ・レンディング産業分析
3. ベンダ分析
4. オルタナティブ・レンディング：市場予測

Overview

Juniper’s new Alternative Lending research shows how alternative lending platforms are revolutionising the lending industry; revealing why alternative lending can be easier to apply for, faster and cheaper than traditional loans. Information is given about product innovations, strategies for alternative lending players to increase credibility in this new lending modality and strategies for traditional players to catch up with digital players. The research delivers in-depth vendor analysis, including vendor profiles, the Juniper Vendor Positioning Index and vendor cluster analysis.

Additionally, the report offers a PESTEL analysis, description of the alternative lending ecosystem, different alternative lending models, coupled with future predictions and analysis of product innovation.

The analysis covers key industry service segments, including: 

• P2P/Marketplace Lending
• Crowdfunding

The research suite comprises of:

• Market Trends & Opportunities (PDF)
• 5-Year Market Sizing & Forecast Spreadsheet (PDF & Excel)

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Table of Contents

Table of Contents

1. Key Takeaways & Strategic Recommendations

1.1 Key Takeaways . 4
Figure 1.1: Alternative Lending ? Market Statistics & Key Takeaways . 5
1.2 Strategic Recommendations . 6
Figure 1.2: Alternative Lending Market Forecast Summary . 6

2. Alternative Lending Industry Analysis

2.1 Introduction . 9
2.2 Alternative Lending . 9
Figure 2.1: Alternative Lenders Core Competencies . 9
Figure 2.2: Alternative Lenders’ Target Audience . 10
Figure 2.3: UK Institutional & Individual Funding Across Alternative Lending
Models in 2017 . 11
2.3 PESTEL Analysis . 11
Figure 2.4: PESTEL Analysis of the Lending Industry . 12
2.3.1 Political & Legal Factors . 13
i. US . 13
ii. China . 13
iii. Europe . 13
2.3.2 Economic Factors . 14
2.3.3 Environmental Factors . 14
2.3.4 Social Factors . 15
2.3.5 Technological Factors . 15
i. Benefits of Blockchain in Lending . 15
2.4 Traditional Vs Alternative Lending Process . 16
Figure 2.5: Differences Between Traditional & Alternative Lending . 17
2.4.1 Alternative Lending Loan Process . 17
i. Loan Application. 17
ii. Loan Approval . 18
iii. Funding . 18
iv. Outlay . 18
Figure 2.6: Alternative Lending Loan Process . 19
2.4.2 Alternative Lending Ecosystem . 20
i. Alternative Lenders . 20
ii. Traditional Players . 20
iii. Data, Platform & Tools Providers . 20
Figure 2.7: Alternative Lending Ecosystem Players* . 21
2.4.3 Alternative Lending Models . 22
Case Study: The Impact of Alternative Lending on Mexican & Chilean SMEs . 23
i. P2P Lending . 23
ii. Invoice Trading . 23
iii. Equity-based Crowdfunding . 23
iv. Reward-based Crowdfunding . 24
v. Juniper’s View . 24
i. Best Scenarios for Alternative Lending . 25
2.4.4 Securitisation . 25
i. Secured & Unsecured Loans . 25
ii. Organised Secondary Market For Online Loans . 25
iii. Is MPL Replicating 2008’s Financial Crisis? . 26
2.4.5 Customer-centric Approach . 26
2.5 Main Alternative Lender Players . 26
Table 2.8: Alternative Lending Main Players . 26
2.6 Future Predictions & Product Innovation . 27
2.6.1 Organised Secondary Market . 28
2.6.2 Traditional Banks Dilemma: In-house or Outsourcing? . 28
2.6.3 Product Innovation: Pay Later . 28
2.6.4 Product Innovation: Multi-lender Platforms . 29
i. Divido . 29
ii. FlexxBuy . 30
iii. LendPro . 30

3. Vendor Analysis

3.1 Vendor Analysis . 32
Table 3.1: Alternative Lending Vendors . 32
3.1.1 Platform Features . 33
Table 3.2: Common Features of Loan Servicing Software . 33
Table 3.3: Vendors’ Loan Offerings . 34
3.1.2 Alternative Lending Vendor Positioning Index . 36
Table 3.4: Alternative Lending Vendors Positioning Index . 36
Figure 3.5: Juniper Alternative Lending Vendors Positioning Index . 37
i. Inception . 38
ii. Establish Brand . 38
iii. Focus . 39
3.1.3 Cluster Analysis . 40
Table 3.6: Cluster Analysis Group Result . 40

4. Alternative Lending: Market Forecasts

4.1 Introduction . 43
4.2 Methodology & Assumptions . 43
Figure 4.1: MPL Methodology . 44
Figure 4.2: Crowdfunding Methodology . 45
4.3 MPL . 46
4.3.1 Loan Origination . 46
Figure & Table 4.3: Total Loan Origination Value ($m), Split by 8 Key Regions
2018-2023 . 46
4.3.2 Revenue Attributable to Platform Operators . 47
Figure & Table 4.4: Revenue Attributable to Platform Operators ($m), Split by 8
Key Regions 2018-2023 . 47
4.4 Crowdfunding . 48
4.4.1 Total Spend on Crowdfunding Platforms . 48
Figure & Table 4.5: Total Spend on Crowdfunding Platforms, from Successful
Crowdfunding Projects ($m), Split by 8 Key Regions 2018-2023 . 48
4.4.2 Total Revenues Taken by Crowdfunding Platforms . 49
Figure & Table 4.6: Total Revenues Taken by Crowdfunding Platforms, from
Successful Crowdfunding Projects ($m), Split by 8 Key Regions 2018-2023 . 49