I’m researching and writing a paper regarding the US peer-to-peer (P2P) lending markets. (1)If you have ever used or have been tempted to use micro-lending for personal gain how has this new trend of lending/borrowing benefited you, (2)what/how do you think these companies can change and/or add to better benefit the consumer, and (3)what segmented markets are still untapped? Thank you

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