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Explain what a PeertoPeer (P2P) lender is and explain how it differs to a traditional bank lender. What is it about P2P lenders that helps

Explain what a PeertoPeer (P2P) lender is and explain how it differs to a traditional bank lender.
What is it about P2P lenders that helps them solve customer problems that traditional banks are not able to?
What is the specialty of DianRong - does it do payments?

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