Letter From the Editor

From Securitization to Government
If you’ve been paying attention to current events, we’ve entered the era of securitization. It’s a major milestone for the industry at large.  

So will growth continue unabated or are there potential roadblocks ahead? In this issue, we take a closer look at the OnDeck Capital securitization deal and dig into a matter that has everyone on edge, the threat of regulation. Is government a friend to be looked upon for support? or a foe with no bounds?

As that landscape unfolds, we may find that it is not regulatory pressure that drives change, but forces from within the industry itself.

Traditional installment loans are the latest iteration of ingenuity and growth. Who would’ve thought that we’d come full circle? Small businesses are once again being marketed products with transparent APRs and monthly payments, and it’s not coming from the banks.

Exploding new frontiers beg the question, how much are folks making in this business? We conducted a survey online and some of the results might surprise you. Of notable interest are the perceptions on stacking.  As you might’ve seen in the last issue, some funders are alleging it as tortious interference, but insider opinion is swaying regardless of the legal merits.  For better or worse stacking has disrupted the industry.

And that’s not all. At the recent Exponential Finance conference presented by Singularity University & CNBC, leading experts came together to inform financial services leaders how technologies such as artificial intelligence, quantum computing, crowd funding, digital currencies, and robotics will impact business. For the rest of this year and beyond, disruption is on the menu.

Sincerely,
Sean Murray

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