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Innovative online lender to borrower matching has given peer to peer lending platforms a cost advantage over the larger and less nimble traditional finance institutions, leading to very attractive rates for those looking to invest and those looking to borrow. P2P lending platforms and broader fintech trends have also pushed the frontier of customer service and expectations in the delivery of financial services products. This report has been prompted by the incredible growth story of the peer to peer lending sector as an asset class and the new opportunities it is opening up for retail investors and their advisers.