According to other sources, LendingClub believes that some Fintechs pay lip service regarding financial health but what too many of them do is actually antithetical to helping the underserved/underbanked market. For example, digital banks (think Marcus) that offer high-interest rate credit cards instead of an amortizing loan option as an alternative. But then, providing unsecured loans is rather hard and LendingClub has been doing it for years – perhaps better than any other online lending platform.