The worlds of technology and finance are increasingly intersecting in exciting ways. One of the most visible and important trends in recent years has been peer-to-peer (P2P) or marketplace lending. In this process, a third-party platform matches lenders and borrowers, creating new opportunities in an area long the domain of banks and other traditional financial institutions. Publicly traded Lending Club and privately-held Prosper are perhaps the most popular and well-known P2P lending services