We are RateSetter, one of the world's largest peer-to-peer lenders. We have worked hard over the past four years to democratise lending with the aim of helping all Australians do more with less. We have made some great strides over the past 5 years - reaching $500million in lending, hitting over 100 people, growing at 100% year on year - and we're barely getting started. We believe the financial system has become bloated and inefficient, and are leveraging technology and data to give value - and power - back to the consumer.