Finextra: In the recent Altfi "Peer to Peer Lending State of the Market 2019" report, Jonathan Segal, Partner at Fox Williams, predicted that higher value lending could be the next trend in P2P. Madiston plc, digital banking and capital markets software provider, supports this view having seen new opportunities emerging in direct lending markets.

Jonathan Segal, a specialist FinTech and Alternative Finance lawyer, notes in the Altfi report that there has been an increase in the size of loans advanced to SME borrowers through P2P platforms recently. That is attributed, in part, to an increase in institutional lenders working with them, lending the full amount of a loan or co-lending together with retail lenders. Jonathan concluded "As alternative finance evolves, we expect both high-value or co-lending to continue, in direct challenge to traditional bank lending."