FinTechLabs presenting at Startup Open House by 91Sprindboard Talking about what is Peer to Peer Lending, how does an online peer to peer lending platform works, the technology behind credit analysis making it better and faster and the P2P Lending landscape in India, the huge market opportunity and the challenges faced.

1. ENABLING P2P LENDING ECOSYSTEM

2. WHAT IS P2P LENDING?
People Banks
7-8% Interest

3. WHAT IS P2P LENDING?
People Banks People
7-8% Interest 12-15% Interest

4. WHAT IS P2P LENDING?
People Banks People
P2P Lending
7-8% Interest 12-15% Interest
12-25% Interest
More Agile, Cover Wider Audience

5. P2P LENDING PLATFORM
Borrower Section Investor Section Admin Section
Apply for loan
Upload the required
documents
Track application status
See Investment options
& Borrow’s profile,
documents and credit
analysis
Track cashflows
Approve Investors &
Borrowers
Credit Analysis of
Borrowers
Monitor all transactions

6. PRODUCTS
CREDIT ANALYSIS BOT

7. PRODUCTS
CREDIT ANALYSIS BOT
Get your own
Peer to Peer
Lending Platform

8. PRODUCTS
CREDIT ANALYSIS BOT
Reads and Analyzes Bank
Statements
Reduces Underwriting time
for Lenders

9. PRODUCTS
CREDIT ANALYSIS BOT
We provide these Softwares as a Service

10. BANK STATEMENTS READER

11. CREDIT ANALYSIS
Reduced cost and faster turn-around time => Delighted customer and higher throughput
Powering Underwriting, Analysis and Verifications with Technology
Source of
Income
Liabilities
(EMIs etc)
Bounced
Cheques
Penalties/
Late Payments
• Identifies relevant recurring income/expense transactions
• Identifies capacity to repay
• Calculates relevant ratios

12. P2P LENDING IN INDIA
In India, the Biggest player claims to have disbursed loans of Rs 50 Crores over last 1.5 years
In Europe, all P2P Lending Platforms together are disbursing over $400 million every month

13. P2P LENDING IN INDIA
In India, the Biggest player claims to have disbursed loans of Rs 50 Crores over last 1.5 years
In Europe, all P2P Lending Platforms together are disbursing over $400 million every month
CHALLENGES IN INDIA
1. No Digital Signature – Hence longer disbursement time
2. No Regulations – Hence problem of handling payments
3. No Strong Credit Agencies – Hence a PDC is taken from borrowers

14. TEAM

15. THANK YOU
www.fintechlabs.in
Vipul Rawal
9654100167
vipul@fintechlabs.in