If there is fintech company one should ask - where exactly is tech part? Or it's just a website attached to traditional process. Actually Lending Club is not p2

If there is fintech company one should ask - where exactly is tech part? Or it's just a website attached to traditional process. Actually Lending Club is not p2p lending company - it's bank which is making loans. So it's adding more friction and more intermediaries to process and with recent API changes it gives even less transparency.