There's actually been a ton of disruption of this space in the past 5 years. OnDeck, Kabbage, LendingClub, Square, are all great, established tech-lending compa

There's actually been a ton of disruption of this space in the past 5 years. OnDeck, Kabbage, LendingClub, Square, are all great, established tech-lending companies. But the remaining victims are the bottom 20% of the borrower population - it's basically not possible to profitably fund these people unless you're straight up scamming them. So the solution has to come from regulation, not the market.