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Peer to peer (P2P) lending companies claim to provide loans at lower rates compared to banks. We ask the experts what impact this can have on the overall interest rate scenario in the country. Bhavin Patel, founder and CEO, LenDenClub The interest rate theory works on supply of money in the system and the risk associated with an investment. When the supply goes up, it brings in downward pressure on the banks to bring interest rates down. As it is now clear that RBI is regulating the P2P segment, many more lenders will be willing to be a part of P2P lending. This will bring in liquidity to P2P platforms, resulting in a reduction in the interest rate offered to borrowers. P2P loans are executed by arranging an electronic meeting of lenders and borrowers on the platform. If lenders have excess liquidity and start pushing higher amounts, they may ask for lesser yield. The impact could be a reduction of at least 1.5% over the next year on P2P platforms themselves. The other important aspect in determining interest rates is the risk associated with P2P loans. As these loans were not reported to any of the credit bureaus earlier, the chances of defaults were higher compared to similar retail loans. However, now, after the RBI regulations, the bureau reporting process will be started. This will make borrowers more concerned about timely payment of loans, bringing down the probability of default. This will reduce repayment risk, resulting in interest rates going down. Both of the above factors will act in favor of borrowers. However, it will take some time before we see the real impact of interest rate reduction.

On page SEO is important processes that we can use, not only for achieving desired rankings but also for running fruitful Internet marketing campaigns. Every SEO focuses on website and optimizes properly both users and search engines and chances of minimizing our success.

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Today's internet is all about SEO. It is when you just search a word, and you get exactly what you wanted. It helps to achieve that perfect user experience for both the general internet user and the site owner. Thus, it a method that promises a visit from the potential customer on your site. But for that, you need to understand how this search engine optimization system works for you in achieving long-term results for your website.

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Digital Presence Is Inevitable For Brands Today, In The 21st Century. We Believe So For The Following Three Major Reasons: Business is all about being where your audience is. And today the audience is online! Battleground has shifted - your competition is already online catching the eye of your audience. The war is still on, but majorly online. Brand image - having a digital presence is vital for maintaining brand image. No longer are the customer service at the outlets and support helplines alone going to help in maintaining the brand image. Today, customers expect seamless brand consistency across both offline and online fronts.

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