Peer to Peer lending

What is peer to peer lending?
What is the trend now?
What are some advantages and disadvantages?
What would be the future of the market, customer segments, regulations, and other concems?
Please use resources below
1.https: //medium.com/@fastinvest/heres-everything-you-need-to-know-about-p2p-lending-746d951e9111
2.https: //internationalbanker.com/banking/peer-peer-lending-disruption-banking-sector/
3.https: /‘www.corporatecomplianceinsights.com/p2p-lending-risks-and-business-models/