Chapter 2: A Regional Discussion on Europe & the United Kingdom
Figure 2.30: Perceived risks of platforms by Debt models-2018 18%
P2P/Marketplace Consumer Lending
Campaign Fraud Notable Increase in Default
11%
9%
2%
21%
Collapse due to Malpractice
P2P/Marketplace Business Lending
Change in Regulation Competition with incumbents and new entries Emergence of TechFin firms
6%
28%
25%
11%
32%
P2P/Marketplace Property Lending Balance Sheet Consumer Lending Balance Sheet Business Lending
7%
3%
10%
10%
21%
60% 17%
17%
10%
10%
57%
10%
13%
10%
17%
17%
76%
10%
64% 59% 50% 25%
25% 38%
Collapse due to Malpractice
7%
13%
13%
13%
13%
13%
38%
Cyber-security Breach
25% 25%
13%
25%
50%
38%
43%
57%
13%
38%
25%
43%
29%
17%
29%
Cyber-security Breach
29%
43%
33%
Collapse due to Malpractice
25%
29%
29%
Notable Increase in Default
33%
29%
17%
14%
29%
29%
57%
17%
14%
83%
17%
33%
50%
50%
50% 75%
Notable Increase in Default Collapse due to Malpractice
50%
Cyber-security Breach
50%
25% 25%
25% 50%
25%
Change in Regulation Competition with incumbents and new entries Emergence of TechFin firms
7%
50% 25%
13%
3%
29%
26%
Notable Increase in Default
7%
13%
47%
1%
13%
57%
23%
3% 8%
23%
43%
Campaign Fraud Balance Sheet Property Lending
11% 14%
51%
Campaign Fraud
Invoice Trading
24%
22%
7%
7%
63%
16%
2%
26%
53% 11%
Change in Regulation Competition with incumbents and new entries Emergence of TechFin firms
22% 31%
25%
9% 4%
4%
19%
36%
Campaign Fraud
50%
25%
100% 33% 10%
67%
10%
40%
20%
Notable Increase in Default Collapse due to Malpractice
10%
Cyber-security Breach
10%
Change in Regulation Competition with incumbents and new entries Emergence of TechFin firms
10%
40%
10%
40%
30%
30% 50%
20%
20%
10%
30%
20%
70%
10%
56% 11%
Notable Increase in Default
16%
Collapse due to Malpractice
15%
Cyber-security Breach
10%
Change in Regulation Competition with incumbents and new entries Emergence of TechFin firms
10%
22%
11%
67% 15%
45%
37%
26%
35%
16%
30%
30%
25% 35%
29% Very Low
15%
25%
41% 24%
Low
100
24% Medium
High
5%
20%
45% 40%
12%
10%
33%
40%
Campaign Fraud Debt-based Securities
25%
31% 5%
7%
Campaign Fraud
4% 3% 25%
65%
Cyber-security Breach
Change in Regulation Competition with incumbents and new entries Emergence of TechFin firms
29%
45%
Campaign Fraud
Change in Regulation Competition with incumbents and new entries Emergence of TechFin firms
1%
25% 90%
Notable Increase in Default Collapse due to Malpractice
4% 37%
30%
Campaign Fraud
Collapse due to Malpractice
4%
33%
39%
Change in Regulation 3% Competition with incumbents and new entries Emergence of TechFin firms 5%
Cyber-security Breach
51% 51%
8%
Cyber-security Breach
Notable Increase in Default
18% 35%
12% 24%
Very High