P2P Lending in India:Is it Truly Delivering a Disruptive new asset-class?

At the outset, it is important to understand what constitutes disruption. For many it is doing something radically different and out of the box that has upended a sector or segment. This may be correct, but to a certain extent. According to the most acceptable description of innovative disruption and one proposed by Clayton Christensen, author of the famous book ‘The Innovator’s Dilemma’, talks about how innovation by startups that are disruptive often start at the low-end or new-market footholds. 

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