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prostoalex

Personal loans and personal lines of credit have been around

https://www.wellsfargo.com/personal_credit/

http://www.eloan.com/personal-loans

https://www.discover.com/personal-loans/

My guess is that they constitute such a small revenue stream for the banks, that banks skip on marketing and execution.

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"personal loan" does not mean "peer-to-peer loan"

Banks are actually all about "peer-to-peer" loans, where do you think their massive funds come from? You deposit money, the bank lends it out. In reality it's a bit more complicated than that but that's the essence of banking.

But there's no connection between the lenders and the depositors. So it's more server based than peer-to-peer.

It's a bit similar with Lending Club. They give out the loans and you buy the notes for those loans from LC.

Well, Lending Club is no longer pure peer-to-peer either http://blog.lendingclub.com/a-note-on-our-recent-loan-volume...

But would be the bank's role in a peer-to-peer transaction? Pure servicer?

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