Category: Bondora video

POSTS FROM PAST WEEK

How to predict if a borrower will pay you back

We brought readers some data-driven insights regarding buyer behavior. By reviewing research on the topic, we learned that default probabilities rise as the interest rate of a loan increases. Also, the literature reveals that loan purpose can indicate heightened default risk in cases where the borrower is funding a small business. Meanwhile life events like a wedding are far more likely to avoid default.

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Weekly industry news roundup – June 19, 2017

Politico reported on the Marketplace Lending Association’s first ever meeting with lawmakers.
The Economic Times published a piece looking at how the rise of P2P lending doesn’t necessarily portend doom for banks.
The Los Angeles Times warned that “Online lenders are a growing economic and political force.
Peer 2 Peer Finance News offered a quick guide from small and medium sized enterprises seeking capital through P2P lending options.
Forbes released an article looking at the personal finance habits of millennials. It cites studies revealing that “The Millennials are the biggest generation in history.”

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Performance of recovery process – June 2017

We covered the monthly recovery figures across all markets. While there were some modest declines, Slovakia was the only country to drop more than three percentage points while the country’s average recovery for 2016 is still strong at 75%. The overall trend remains positive as seen by eleven quarters of improved performance relative to the preceding quarter across all countries in 2016.

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POSTS FROM PAST WEEK

What is diversification and how does it work?

On Tuesday we looked at the concept of diversification. We discussed how data has shown that in periods of financial crisis correlations across traditional assets like stocks and bonds can rise. This phenomenon destabilizes asset allocation. The solution is to include alternative investments in a portfolio. Marketplace lending is one such example.

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Weekly industry news roundup – June 12, 2017

National Real Estate Investor posted an article asking if marketplace lending lending is safer than the stock market.
SeekingAlpha offered an insightful look into the explosive growth behind marketplace lending.
Peer-to-Peer Finance News discussed recent moves from Basset & Gold to offer investors a four-year marketplace lending bond.
Bloomberg Markets looked at a Quebec hedge fund which is aiming to outperform passive investing strategies by seeking more aggressive returns from non-traditional asset classes in the market.
Business Insider offered analytics examining the growth of alternative lending from 2014 to 2016.

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Bondora invest in Summer Facebook campaign

Earn a chance to win up to €300 from Bondora. All you have to do is to like us on Facebook, share Bondora’s “Invest in Summer” campaign post and sign-up for Bondora Investor account. Check out our post for more details.

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Most common online marketplace lending models in Europe

We took a closer look at direct online lending, marketplace lending and crowdfunding. Each model has unique characteristics. The best way for investors to choose which is right for them, is to consider their risk tolerance and their goal return rates.

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POSTS FROM PAST WEEK

Monthly origination summary for May 2017

The realized net returns in each quarter of 2016 were significantly higher than the same quarter in the previous year (2015) by at least 321 basis points. All countries have generated double digit realized net returns for the last three consecutive quarters. Though some of the Q1 2017 figures may decrease over time, they’re all very likely to remain well into the double digits.

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Weekly industry news roundup – June 5, 2017

Evening Standard reported on recent moves by the regulatory body known as The Financial Conduct Authority which “agreed to grant full authorisation to most of the leading lights of the peer-to-peer lending industry.”
MondoVisione discussed a recent move from Orca a leading research and data analyst covering the UK P2P market.
Crowdfund Insider shared research showing that the alternative finance market volume rose to $35.2 billion total across the U.S., Canada, Latin America and the Caribbean in 2016.
Bankless Times explained that some industry insiders believe the P2P lending world requires more maturation to truly find its footing
PYMNTS looked at millennials and how they’ve embraced technology to help secure their personal financial profile.

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Track earnings from investments with net interest received chart

In a this comprehensive post we looked at the regulatory landscape for marketplace lending in the U.S., Europe and the UK. At Bondora we believe we already offer the transparency that many key regulators are looking for in the coming years.

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POSTS FROM PAST WEEK

Bondora portfolio performance – May 2017

The realized net returns in each quarter of 2016 were significantly higher than the same quarter in the previous year (2015) by at least 321 basis points. All countries have generated double digit realized net returns for the last three consecutive quarters. Though some of the Q1 2017 figures may decrease over time, they’re all very likely to remain well into the double digits.

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Weekly industry news roundup – May 29, 2017

Evening Standard reported on recent moves by the regulatory body known as The Financial Conduct Authority which “agreed to grant full authorisation to most of the leading lights of the peer-to-peer lending industry.”
MondoVisione discussed a recent move from Orca a leading research and data analyst covering the UK P2P market.
Crowdfund Insider shared research showing that the alternative finance market volume rose to $35.2 billion total across the U.S., Canada, Latin America and the Caribbean in 2016.
Bankless Times explained that some industry insiders believe the P2P lending world requires more maturation to truly find its footing
PYMNTS looked at millennials and how they’ve embraced technology to help secure their personal financial profile.

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How regulations influence marketplace lending

In a this comprehensive post we looked at the regulatory landscape for marketplace lending in the U.S., Europe and the UK. At Bondora we believe we already offer the transparency that many key regulators are looking for in the coming years.

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POSTS FROM PAST WEEK

How Bondora is leading transparency in the P2P world

Our level of transparency sets us apart from other P2P firms in Europe, the UK and the U.S. In this article we took an in-depth look at the multifaceted data we offer to all our users to empower them to make informed decisions. We see ourselves as an open book and we encourage all investors and borrowers to explore every page.

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Weekly industry news roundup – May 22, 2017

The Economic Times weighed the pros and cons of making investments in bitcoins and P2P lending.
BW Disrupt offered five considerations to keep in mind when exploring P2P investing.
The Investment Observer discussed the rise of P2P in countries like Poland, Greece and Ireland. Based on research these countries have a significant credit gap.
The Week analyzed “How To Tell if Someone Will Repay Their Loan.”
Crowdfund Insider reviewed the development of the Alternative Lending Index which calculates the P2P potential across 23 European countries. Bondora was mentioned in the same article as „first platform to tackle cross-border lending“.

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Easy ways to make a deposit to Bondora

We want marketplace lending to be easy, fast and intuitive for all users. Therefore, we offer four ways to make a deposit on Bondora. Here we explore the benefits of depositing funds via debit cards, SOFORT, SEPA and TransferWise. Each option suits our users’ needs for security and fast processing.

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Bondora is searching for a Chief Accountant

We’re looking for a new member to join our team. We’ve grown in recent years as seen by our more than 25,000 investors across 67 countries. To help us manage this growth we need an analytic thinker with experience handling accounting functions, IFRS regulations and audits, both internal and external.

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POSTS FROM PAST WEEK

Performance of recovery performance – May 16, 2017

We offered the regular review of our recovery performance which shows that the average recovery rates in Finland, Spain and Slovakia are all higher in 2016 compared to their 2015 figures. Our renewed recovery initiatives in 2016 may explain the total improved recovery averages jumping from 44% to nearly 60% from 2015 to 2016.

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Weekly industry news roundup – May 15, 2017

PR Newswire reported that P2P reporting and analytics platform dv01 has bolstered its efforts to bring transparency to the market with a new partnership with Sofi.
Forbes looked at the future of P2P lending in China where financing options are becoming accessible to more people because of FinTech.
The Economic Times explored the idea that the millennial generation is a major driver for the growth and legitimization of the marketplace lending industry.
RadioTimes looked at how interest rate cuts by The Bank of England are driving more investors to embrace peer-to-peer lending.
New York Magazine revealed interesting research from U.S. academics analyzing default rates among borrowers.

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Get a quick visual insight of your portfolio structure

We introduced investors to an easy-to-use cluster of eight pie charts offering a holistic view of their portfolio. These metrics all relate to one another by providing insight to risk exposure. We want investors to see the whole picture without losing detail as their portfolio grows.

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POSTS FROM PAST WEEK

Monthly origination summary for April 2017

On Tuesday we reviewed the loan origination totals for April reaching €2,871,397. This is slightly less than last month but is mostly in line with the average of the last three months. The concentration of originations is found in the “B” through “D” rated loans. The total average interest rate among all countries and all ratings was 35.61%.

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Weekly industry news roundup – May 8, 2017

American Banker examined the trend of small banks seeking P2P solutions for expanding their SBA loan offering.
Tech Crunch reported on a $3 million startup which uses the basic marketplace lending approach to help homebuyers get a mortgage.
Business Insider published an article exploring the state of marketplace lending today.
The Economist looked at the development of fintech (financial technology) and its evolution.
Crowdfund Insider discussed the idea that marketplace lending might actually mature in 2017.
Peer2Peer Finance News cited Bondora as one of the top P2P platforms offering “detailed aggregated statistics.” and transparency.

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Sell loans from one investor to another with our new Direct Sell feature

With this feature you can bundle several loans together or sell an entire portfolio directly to another investor. This option empowers investors to arrange sales to other investors or even consolidate their holdings into a single account.

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Sell multiple loans as portfolios on the Secondary Market

Investors can now use the Secondary Market as a place to sell their bundled loans. This feature will increase liquidity and help in the management of portfolio risk more effectively. Investors can also find and purchase bundled loans as portfolios on the Secondary Market.

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POSTS FROM PAST WEEK

Weekly industry news wrap up – May 2, 2017

Politico reported on recent moves to build a robust regulatory framework around the new marketplace lending industry.
Tech Crunch discussed an emerging proposal from the Comptroller of the Currency which would permit certain fintechs to exist as special purpose national banks.
Forbes reviewed findings in a recent report from G.P. Bullhound stating that “Global marketplace lending is expected to increase 2.4x from 2016 to 2020.”
FT Adviser published a helpful article covering six things to consider when exploring marketplace lending as an investment.
DS News reviewed recent remarks from the Federal Comptroller of the Currency who explained that in fintech “…consumers must be treated fairly.”

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Bondora portfolio performance – April 2017

In our regular review of realised net returns we noticed that generally, the quarterly realised net return from 2015 to 2016 is on an significant uptrend compared to previous years. Though Slovakia and Spain underperformed in 2014, Spain experienced improvement along with Finland in recent years. In 2016 the average realised return across all quarters exceeded the average targeted figure by 3.66 percentage points.

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Make investing convenient with new recurring payment feature

We announced a new feature allowing investors to set up automatic and recurring deposits to their Bondora account. With this new feature, users can select a preferred frequency, payment date and sum for periodic deposits. These regular deposits are critical for slowly building wealth over time.

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POSTS FROM PAST WEEK

Results for the survey we made on P2P income taxation

On Tuesday we brought you the results from a brief survey of our more experienced users. The goal of the post was to get investors thinking about the questions they need to ask when considering the tax implications of their earnings from marketplace investing. The responses do not represent professional advice, they’re just remarks from some investors.

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Weekly industry news roundup – April 24, 2017

Huffington Post published an article looking at the innovation that will propel the marketplace lending world forward like mortgage options and government contractors.
Crowdfund Insider discussed the role of good data in the world of fintech. The best fintech companies will verify the accuracy of data.
Forbes reported on a recent survey citing that “Nine in 10 financial firms expect to lose revenue to fintechs with expected losses around 24%.”
The Economic Times explored how marketplace lending is enabling the phenomenon of “digital inclusion”.
Financial Times Advisor discussed why financial advisors should consider P2P investments.
Roklen24 mentioned Bondora as an example in a recent post about FinTech’s strong position in the Baltic States’ technology sector.

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Investing insights with three new statistic charts

Here we looked at the role of banks as more loan seekers turn to P2P for fast, easy and inexpensive loan options. Traditional banks will need to find new ways to remain competitive as the marketplace lending industry grows to an estimated value of $897 billion by 2025.

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Performance of recovery process – April 2017

In our monthly look at the results of our recovery efforts we learned that The average recovery rates across all countries in 2014 and 2015 was relatively unchanged. However, even if 2016 falls from its current average of 60%, relative to the 2014 and 2015 averages of 42% and 44% respectively, we’re still unlikely to see a yearly downtrend in recoveries.

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POSTS FROM PAST WEEK

New bid allocation model levels the playing field for investors

Originally, if a loan received too many bids (overbid), Bondora would rank the bids based on size. As a result, some investors got their entire bid accepted while others were left out. Now, we’re changing the method to be more inclusive to all bidders. Read our post to find out why.

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Weekly industry news roundup – April 17, 2017

Banking Technology published an article covering US Fintech regulation.
Transparency Market Research cited China, India, Japan, and Australia as major P2P growth areas particularly in small businesses.
The Sydney Morning Herald discussed a growing trend of consumers who are ignoring high interest credit cards and choosing P2P finance when it comes to bigger purchases.
PRWeb explained that investing analytics site OFF3R reported that over £40 million was invested in Equity Crowdfunding platforms in the UK last month.
Peer2Peer Finance News reported that the head of the British Business Bank remarked on the gradual impact P2P is having on the banking world.

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Can banks survive marketplace lending?

Here we looked at the role of banks as more loan seekers turn to P2P for fast, easy and inexpensive loan options. Traditional banks will need to find new ways to remain competitive as the marketplace lending industry grows to an estimated value of $897 billion by 2025.

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