2015 the year we will see explosion of Lending platform partnerships to make the next "s" curve in growth
A group of small banks is teaming up with Lending Club Corp. in a joint effort to wrest a larger share of the consumer-loan market from the biggest U.S. banks. The partnership, expected to be announced Monday, aims to reverse a trend in which big banks, through mass marketing of credit cards and other products, have grown to hold the vast majority of loans to U.S. consumers.
http://www.wsj.com/articles/lending-club-small-u-s-banks-plan-new-consumer-loan-program-1423458187