by: Grow VC Group
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The emergence of online investing applications including peer-to-peer lending and their fast growth has continued to disrupt not only early stage finance, but also other sectors like mortgage finance.

A mortgage is likely to be the biggest financial engagement most people will enter into in their lifetimes. Therefore it is crucial that such markets work efficiently and deliver good outcomes for consumers. With this in mind, the UK’s Financial Conduct Authority (FCA) has launched a “Call for Input” to collect feedback from interested stakeholders on how to improve the competition in the market. Competition, indeed, plays a key role in ensuring market efficiency and effectiveness.

In the document released by the FCA, which is open for public comment until 18 December 2015, the FCA acknowledges peer-to-peer lending and online investing platforms to play a relevant double role in the market: on the one side they can be an active lending company, helping consumers to access mortgages; on the other side, they can also facilitate mortgage lenders to raise the necessary mortgage funding to enter the market and expand. The digital investing market in the UK has achieved such a relevant position in the financial landscape that it has become almost impossible not to consider it in many regulatory activities concerning finance and access to capital.

Read the whole article on Crowd Valley Blog.

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Grow VC Group The Grow VC Group is the world leading, global pioneer of securities crowd funding, peer to peer marketplaces, new investment models and global business development. Established in 2009, the Group has developed new investment models on six continents and continues to innovate the global market.

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This entry was posted on Sunday, October 25th, 2015 at 8:00 am and is filed under Business Updates. You can follow any responses to this entry through the RSS 2.0 feed. Responses are currently closed, but you can trackback from your own site.