FOR IMMEDIATE RELEASE

SEATTLE, WA (March 13, 2006): Does the eBay model lend itself to consumer credit? That question and more are answered in Online Banking Report’s latest report, “Person-to-Person Lending at the Prosper Marketplace” (OBR 127). While eliminating the middleman is an appealing business model, will it work in the lending arena, where financial institutions bring vast experience and resources to the table?

Title: Person-to-Person Lending (Prosper Marketplace)
Published: March 13, 2006
Length: 36 pages (14,000 words)
Author: Jim Bruene, Editor & Founder
Cost: US$495

Presuming Prosper and/or Zopa make it through these unique challenges, the report predicts that within five years the total market for person-to-person lending in the U.S could surpass 100,000 loans annually, worth more than $1 billion.

The report is a must-read for any financial services executive involved in consumer credit and loan originations. The consumer behavior seen in this particular niche has broad ramifications even for the most traditional lender. The report can be downloaded immediately after purchasing at .

Table of Contents
Does the eBay model lend itself to consumer credit?
Prosper: Will it live long?

Overview
The company
The product
How it works
Groups
Discussion forums)
Anatomy of a successful loan

Analysis
Current activity
Market forecast
Early lender returns
Opportunities
Risks
Conclusions

Companies Mentioned: Benchmark Capital, Circle Lending, eBay, Egg, E-Loan, Experian, FatWallet.com, IAC/InterActiveCorp, LendingTree, Prosper Marketplace, Zopa

About Online Banking Report
Founded in 1995 by former banker Jim Bruene, Online Banking Report provides in-depth analysis, exhaustive data, and informed recommendations to financial services executives in 50 countries. Online Banking Report is published by Online Financial Innovations, a Seattle-based research company that also produces Financial Marketing Weekly and Electronic Payments Week.

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