Let's Put Alternative Finance to the Test

two small test tubes

Alternative Finance meets the needs of ordinary people and businesses, or it means nothing to us. We don't care how many banks are destroyed and how many tax breaks are handed out. What we care about are the positive outcomes: where did the money go, what jobs were created, and what were the financial returns to investors, and the social returns to the community.

Who Pays to Protect Our Investments? We Do.

police van with guards

Peer-to-peer ending is riskier than saving, and lending platforms are often asked how they protect their lenders against losses. Today, the Bank of England's blog looks at the hidden costs of compensation schemes, and argues that in many cases, attempts to protect investors' money have the opposite effect: they reward flawed business models, and take away one good reason for investors to .move their money elsewhere.