Linkage: who will survive next 10 years in fintech lending?

Today’s reading below, beginning with a marketplace lending piece from Debanked earlier this month. Pulling this quote because it’s so important:

So the big question is ‘who will survive?’ According to Hadden, it will be the players that transition into a natural competitive position as either the lender or the risk originator. “These are the two big specialties. Either you have capital and algorithms and are good at investing or you have relationships and data and you are good at originating loans. These firms need to go in one direction or the other,” said Hadden.