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Financial P2P

The financial industry adapts to consumer demand for peer-based platforms

Implications - Adjusting quickly to the P2P economy, consumers are increasingly comfortable with leveraging a network of peers for almost everything, including lending and borrowing money. Seeking more personable and seemingly authentic solutions for their financial needs, consumers are open to peer networks that offer more transparency and lower price points that traditional resources.
Workshop Question - What parts of the customer journey could you push on to establish more confidence and trust from consumers?
Trend Themes
1. P2P Insurance - There is a growing trend of P2P insurance services that are becoming popular among consumers who value the cost savings and practicality of shared ownership.
2. Voice Assistant Money Transfers - Voice assisted money transfer services like Google Pay can create a simple and seamless payment experience for consumers in the digital economy.
3. Familial Payment Services - Banks and payment service providers are creating payment solutions that teach children money management skills which could potentially create a loyalty base among their youthful consumers.
Industry Implications
1. Fintech - P2P insurance companies and mobile apps introducing innovative payment systems are examples of trends disrupting the financial services industry.
2. Retail Banking - Bank partnerships with P2P platforms offer an alternative means of providing credit to consumers using a different approach to traditional retail banking.
3. Travel - Currency exchange startups like WeSwap are making foreign exchange cheaper and more efficient for travelers.
3.4
Score
Popularity
Activity
Freshness
Patterns
Megatrends
7 Featured, 52 Examples:
75,717 Total Clicks
Date Range:
Mar 16 — Apr 18
Trending:
Mild
Consumer Insight Topics:

Featured Examples

P2P Insurance Start-Ups
P2P Insurance Start-Ups
'Lemonade' is a New Service That Will Operate on a Peer Lending Model
Lemonade is a new type of insurance carrier that takes inspiration from peer lending services. Dan Ariely is a professor of professor at Duke University who has a hand in developing the New York-... MORE
P2P Lender Bank Collaborations
P2P Lender Bank Collaborations
The Zopa P2P Lending Platform Partnered with Metro Bank
The world’s first P2P lending service, Zopa, has partnered with Metro Bank to provide additional funds for lending purposes within the platform. This partnership allows consumers and both... MORE
P2P Money Swap Apps
P2P Money Swap Apps
WeSwap Allows Travelers to Exchange Money with Clear and Transparent Rates
WeSwap is an app that’s available for both iPhone and Android that allows travelers to exchange different types of currencies on a P2P basis, while ensuring that a fair and completely... MORE
P2P Car Insurance
P2P Car Insurance
Guevara Lets Groups Share Insurance in Order to Keep Claims Low
The sharing economy concept is making room for people to share houses, meals, rides and with a service like Guevara, drivers can even share insurance. Guevara is based in the UK and describes... MORE
Familial Payment Services
Familial Payment Services
Virtual Piggy is Launching a Family-Focused Mobile Banking Solution
Virtual Piggy describes itself as a “family-focused mobile banking solution” that is designed to teach children money management skills that will last them a lifetime. The P2P payment... MORE
Social P2P Payment Apps
Social P2P Payment Apps
France's Pumpkin Mobile Platform Allows for Convenient Payment Sharing
Pumpkin is a French P2P payment app that allows for shared transactions among mobile users. The social platform allows friends to send funds to one another for free and without hidden fees.... MORE
Voice Assistant Money Transfers
Voice Assistant Money Transfers
Google Pay P2P Services Can Now Be Done With Google's Assistant
Google Assistant has recently been updated to allow users to transfer cash with voice commands through Google Pay P2P services. The feature allows users to say something like “Send Lauren $2,”... MORE

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