The cost of that better deal is the significant risk that the participants take on. Despite the risks, we can easily imagine a world in which P2P finance thrives. It has already begun to spread to a wide variety of new sectors, such as student loans, real estate, hedging, auto loans, equipment finance, medical loans, business-to-business lending, and so on.
Over time, we could see P2P finance become more global, and could also see the development of a deep secondary market in securitized P2P loans.