Looking at amazon it is actually is pretty simple. Members are very well aware if their loans are late, things default, or questions to the specific platform is complied with.
Their ratings will reflect that. However the true strength lies in algorithmic learning, and data-crunching. We have the unique possibility to look at all loans available on our platform. All p2p lending platforms and how everything plays together. Does the p2p platform rating reflect default rate etc.

In this we way we will be able to build a non-partial rating system, from which the members will greatly benefit.