Whilst the media hype still seems to be about the fintech companies, particularly Funding Circle and its floatation, we continue to do “sensible lending”. Our approach is still a personal one. We meet all of our borrowers and inspect assets offered as security in person – and invest with you, placing our money alongside our community of investors. This has stood us in good stead and we do believe that this approach rather than a computer trading platform keeps both our and your money safer.