Executive Summary (This is a document excerpt)

UK consumer lending marketplace Zopa has proved that online peer-to-peer lending is viable by attracting 72,000 members in its first year. Even so, the firm faces some big hurdles as it tries to win enough customers to build a sustainable business. Whether Zopa itself succeeds in the long term or not, lending will never be quite the same again, as other firms will learn from Zopa and try to mimic the concept.

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