Some of the leading names in the US peer-to-peer lending industry have been hit by governance problems as well as a withdrawal of some of the big institutional investors. Martin Arnold, FT banking editor, asks Rhydian Lewis, chief executive of UK-based RateSetter, whether the bubble is bursting and how the US model differs from its UK counterpart. Music by Kevin MacLeod. For information regarding your data privacy, visit acast.com/privacy