Yes, competition usually lowers the company's revenues. Credit platforms, it is generally very difficult, it will be difficult for ordinary mortals to understand and calculate their benefits. One thing I can say for sure, if these projects continue to open, it is profitable to engage in lending.
This sphere is still only at the beginning of development. In an offline tens of thousands of banks and they have enough market to have money. There will also be a huge number of platforms, as there are a huge number of customers.