CREDIT STRATEGIES & CREDIT AS A SERVICE MODELS

As much as phase one of the disruption of the banking profession took place in payment, phase two will happen in credit. P2P Protect Advisor disposes of all the traditional credit expertises of banks, allied with the transformational innovative DNA of fintechs and neobanks.

The leading indicators of the upcoming credit battle are manifold.

Among them:

• The current switchover of challengers banks from payment to credit (N26, Revolut, Quonto, Ditto ...);
• The rise  of credit within big tech ecosystems, from Amazon to Alibaba and Tencent;
• The emergence of Credit-as-a-Service as a model reinventing both commoditization and fluidity of credit;
• The fall of barriers to entry, notably in France with open-banking and DSP2, removing the monopoly of customer knowledge from large retail banks;
• Hundreds of startups around the world are working on the reinvention of the customer experience, applying for and obtaining credit (Kabbage, Yelloan, Finfrog, Mansa ...)

Examples of missions:
- Development of a neobank credit stratégie and business model for a US owned French bank;
- Elaboration of an investment thesis for the launch on Asian markets of a major European credit broker;
- Advised on the definition of a credit strategy and supported the launch of the operational credit platform for a French neobank.