CFO Editor-in-Chief Edward Teach interviews Vincent Ryan of about his February 2016 cover story, “Fast Money.” Ryan discusses how bloated cost structures, deteriorating credit portfolios, and new regulatory burdens for banks in the wake of the financial crisis opened the door for online, “shadow” lenders like Kabbage, Lending Club, Funding Circle, and Avant.

The two editors also discuss why online lenders can make loans to small businesses when banks can’t; how these lenders determine creditworthiness; and whether or not these lenders will survive an economic downturn and increasing regulatory pressures.


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