The Peer-to-Peer (P2P) Marketplace offers an alternative lending model that connects borrowers directly with investors, bypassing traditional banks. It operates through online platforms using data-driven credit assessments. Compared to conventional bank lending, P2P is faster, more accessible, and less regulated—but also riskier. Key risks include credit default, platform reliability, and regulatory uncertainty. The "6 C’s"—Character, Capacity, Capital, Collateral, Conditions, and Compliance—help evaluate borrowers in this model. P2P lending democratizes finance but requires robust risk management and transparency for sustainable growth.

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