The rise of Peer-to-Peer lending platforms represents a phenomenal change as a disruptive innovation in the financial services
industry. These platforms facilitate the direct lending and borrowing between individuals and institutions through online
ecosystems, passing over the traditional financial intermediaries. This research studies the rise, evolution and global
expansion of P2P lending sector. It vitally analyses technology advancements, regulatory framework and dynamics of market
that have contributed in the development of these platforms. The research identifies various important challenges such as
regulatory scrutiny, market competition and economic volatility, while also showcasing the growth opportunities in the
segment. A comparison between global and Indian peer-to-peer ecosystems revealing the convergence trends and structural
differences that impacts the sustainability of platform. The research offers a strategic recommendations to enhance
framework, supports confidence of investor and promote financial inclusion. The Findings of the study provide essential for
policy makers, regulators, industry practitioners and researchers aiming to understand and shape the future of P2P lending
platforms.
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