How peer to peer lending affected banking?

Internet sources acceptable: 4-5 approx. (There is no specific limit).

My research question is:
What are the risks compared to traditional financial institutions such as banks or other financial institutions?

objectives:
1. To examine the possibility whether peer to peer lending market would be able to sustain its fast growth.
2. To examine the risks & benefits involved in a peer to peer lending market compared to traditional financial institutions.
3. To examine how the financial institutions could respond to the emergence of peer to peer market? Will they see it as threat or an opportunity?
4. To draw conclusions about the effect of peer to peer lending on banking and other financial intuitions.

Evaluation criteria:
1. Contemporary nature of topic
2. Demonstrated relevance of the topic
3. Depth and scope of examples demonstrating currency and relevance of the topic

If anymore information required, please let me know.

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