Peer-to-peer (P2P) lending platforms are financial tools that are gaining popularity due to the direct connection between borrowers and investors. This kind of connection bypassing traditional financial institutions makes loans more accessible and returns on investment much more favorable. This trend has been steadily convincing more and more customers for the past few years, making there a demand for the creation of peer-to-peer lending platforms. What else is worth knowing about these innovative solutions? What factors encourage the use of these financial tools? I'm already taking the time to explain.