Not sure what to expect, so future will tell. Re. fintech in general, and marketplace lending in particular, my main premise is the fact that a lot of things need to change / will change, but in ways that will be radically different than what we've come to accept as "normal". It's a very comprehensive discussion, but for one part, it comes down to this. A lot of people are being left out of the system, and need to be brought back in. To stay with financials, that means that a lot of people and businesses cannot (yet) access the financial system, being unbanked, underbanked, or simply ignorant of the possibilities. A lot of these people are difficult to reach (via classic means), but they all spend hours a day doing one thing we all do: playing games on a mobile phone/device. So the solution is to be where your future/potential customer is, i.e. in the game, on the phone, in the headset, Current and future technology will enable this, be in their face, and will nudge people to ..."behavior that is socially desirable and financially rewarding". It is where things will go, and it's a focus area of my interest. These and other issues will be discussed on my podcast series that will launch soon - you can get on the list here.