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Thesis: The company faces significant challenges with declining loan origination volumes and increasing default rates, leading to a more negative outlook among investors.
4Emerging competition from fintech lenders offering faster and cheaper loans could erode market share, with a projected 15% increase in market entrants.
5Potential regulatory changes that could limit lending practices or increase compliance costs
6Technological disruption in the financial services sector that could alter traditional lending models
7Increased competition from alternative lenders and fintech companies offering lower rates
8Market share loss to larger asset management firms with more diversified offerings