Zerodha, an Indian discount broker was able to rapidly scale and satisfy a surge in demand during the recent market downturn. As its original proposition of low-cost transactions has worn off, it relied on its technical prowess to compete. What else can it do to sustainably grow, particularly in a post-Covid India that has a seemingly insatiable appetite for digital financial products?
Capital Float leverages an innovative data-driven approach to identifying creditworthy borrowers who are unable to access banks. While loan disbursements have crossed $1bln during the 5 years of its existence, the company is aiming for continuous and sustainable growth.
RateSetter establishes itself as the dominant P2P consumer lender in Australia.
Lending Club is a platform that matches loan borrowers and lenders.
Lending club founder was able to build a robust lending platform against significant headwinds, but it's unclear if the resulting product matches the initial vision of a "peer to peer' marketplace.
Inherently risky or opportunities for value creation and capturing?