The document discusses 4 emerging trends in digital lending: 1) end-to-end loan management solutions, 2) smart tools that gather and analyze data, 3) creative loan facilities, and 4) ease of filling forms through smart user experiences. Examples are given of companies implementing each trend, such as Avant offering customized lending, Prosper using analytics to manage finances, Even adjusting payments based on variable income, and Earnest combining data and design for personalized experiences.

1. 4 EMERGING TRENDS
IN DIGITAL LENDING

2. TRENDS
Emerging in Digital Lending
End-to-end solution for loan management
Smart tools to gather and analyze data
Creative loan facilities
Ease of filling forms with smart UX
This research was done as a part of the pitch for a leading Financial Services Company

3. 1. End-to-end solution for Loan Management
Avant is a leading marketplace lending
platform that is lowering the costs and
barriers of borrowing for consumers.
Through the use of big data and machine-
learning algorithms, the company offers a
unique and highly customized approach to
streamlined credit options
This research was done as a part of the pitch for a leading Financial Services Company

4. 1. End-to-end solution for Loan Management
Simplified repayment flow which makes it easier for the customer to pay off the loan using the app
without having to visit any branch office or meeting any representative
This research was done as a part of the pitch for a leading Financial Services Company

5. 2. Smart tools to gather and analyze data
Prosper is America’s first peer-to-peer
lending marketplace, with more than 2
million members and over $6 billion in
funded loans. Prosper has evolved into a
personal finance company that offers
products and services beyond personal
loans to help people get on top of their
finances.
This research was done as a part of the pitch for a leading Financial Services Company

6. 2. Smart tools to gather and analyze data
With use of advanced analytics and neat visual representation
makes it easier for user to manage their finances
This research was done as a part of the pitch for a leading Financial Services Company

7. 2. Smart tools to gather and analyze data
Paisa Bazaar is an intuitive platform that
helps customers to make financial
decisions by comparing various personal
finance products and select most suitable
product as per their needs
This research was done as a part of the pitch for a leading Financial Services Company

8. 2. Smart tools to gather and analyze data
Paisa Bazaar provides the customer option of using various tools to
make an informed decision about which financial product to purchase
This research was done as a part of the pitch for a leading Financial Services Company

9. 3. Creative loan facilities
Even is a new kind of financial app that
turns variable pay into a steady, reliable
income. Even makes sure you get at least
an average-sized paycheck every payday.
Anytime your paycheck from work is lower
than average, Even automatically sends
you enough money to make up the
difference. Even pays itself back
automatically the next time you get a
higher-than-average check
This research was done as a part of the pitch for a leading Financial Services Company

10. 3. Creative loan facilities
Innovative ways to engage the user for a long period by helping in managing the finances. Lends people money and
then pays itself back. If the user’s purchasing power goes down, recalculates expenses and pays itself back
This research was done as a part of the pitch for a leading Financial Services Company

11. 4. Ease of filling forms with smart UX
Earnest is a finance company that
combines rich data analytics, simple,
functional design, and elegant software to
bring people a fast, low-cost, and hyper-
personalized experience.
This research was done as a part of the pitch for a leading Financial Services Company

12. 4. Ease of filling forms with smart UX
Intuitive UI that makes it easy for the user to fill the forms. Also social integration
allows the system to auto-update various fields and provide vital information
This research was done as a part of the pitch for a leading Financial Services Company

13. THANK YOU