2016 will likely be remembered as a major transition year for the online alternative finance industry in the Americas. Entries of new platforms have slowed and many smaller platforms have exited. Competition, both internal and external, has increased with the easing of macroeconomic conditions in many developed
countries across thae Americas. High profile incidents within certain segments of the market led to calls for
a greater level of transparency within the industry with many platforms changing their operational practices and capital structures. Developments in regulation opened up both opportunities and challenges.

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