My name is Chris. I work in the consulting industry, and I have created this map:
It shows that it is difficult to figure out who is and who is not trustworthy enough to receive money. And also, that the government issued licence is the biggest barrier to entry for potential competitors.
If I had run business in this field, I would not rely on so generic user needs. Nobody borrows money for the fun of doing it, but rather to fund other needs, so it would be good to make granting credits part of that other user journey.