How do investors decide between different P2P platforms other than default rates and fees? Are platforms able to compete with each other through different product offerings?

The liquidity of funds entering into your P2P platforms: These can give you an edge if there is a loans that attracted you. Words of advice: Put a limit to how much you put in each loans. Dont complain when it does default

*Most takes about 3-7 days based on the platforms. Platforms has the capacity but may not be motivated to shorten the duration as their loans issued maybe 1 per week, etc

Credit scoring system/ Fact sheet: I believe this is self-explanatory. Choose the one to your preference. If you do not know about economics at all, some platforms' factsheet are infomative enough to explains the strengths and weakness of the companies

Customer Service:

I believe that service outweighs technology, despite the fact that goes hand in hand. I see this as an alternative banking/ credit services. You need to understand the borrowers' needs so that you can gain relevant advice for people to trust and continue to use the platform. For investors, you may have queries with the loans issued. The quality of services could affect your decision-making. There may be areas you want to see in the platforms. Feedback. You can easily see if the platforms are serious with what they are doing.

Responsiveness :

Closely related to customer services. Community vs individual platforms to feedback and ask questions

Customer service and responsive to us is important too.