Faircent™: Powering P2P Lending Revolution

R. Srinivasan ()
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R. Srinivasan: Indian Institute of Management Bangalore

Chapter Chapter 4 in Platform Business Models, 2021, pp 45-69 from Springer

Abstract: Abstract Faircent is a leading P2P lending platform in India, and this case study traces the evolution of the FinTech platform. It illustrates the myriad challenges the firm had to navigate while establishing a collateral-free peer lending platform in the financial sector in the absence of established regulations. As a P2P marketplace in India, Faircent built out a full-fledged loan analytics platform by bringing onboard lenders and borrowers by providing them online tools to discover each other and transact. The case brings forth viewpoints from different platform sides such as the lenders and borrowers, along with an analysis on how the firm has shaped policy regulations by actively engaging with the central regulators. This case helps appreciate the basic issues around multi-sided platform business models: the different actors in the platform business along with the concepts of platform envelopment and the various strategic options for platforms to fight envelopment, including racing to acquire customers.

Date: 2021
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Persistent link: https://EconPapers.repec.org/RePEc:spr:mgmchp:978-981-16-2838-2_4

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DOI: 10.1007/978-981-16-2838-2_4

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