► Subscribe to the Financial Times on YouTube: http://bit.ly/FTimeSubs Emma Dunkley, FT retail banking correspondent, examines the risks and benefits of alternative peer-to-peer lending platforms, which use technology to match lenders to borrowers directly in an easier and more efficient way than traditional banking. ► FT Business: http://bit.ly/1KUK08s ► Lex: http://bit.ly/1I14JZF For more video content from the Financial Times, visit http://www.FT.com/video Twitter https://twitter.com/ftvideo Facebook https://www.facebook.com/financialtimes