Wikipedia itself contains a whole host of P2P lending platform: http://de.wikipedia.org/wiki/Peer-to-Peer-Kredit. While such platforms allow certainly also B2P and P2B lending their main focus (and the cost for additional regulations) come from the P2P part. With credit worthiness and the like. This regulation is for the protection of the customer (from a bank). This may put a big burden on all the lenders (or the platform). In Germany a bank usually needs to be involved (and that was a part that crowd sourcing tried to avoid).